AXIS
The Center of Private Finance.
Under-collateralized lending powered by your Proof of Credibility. Access liquidity without exposing your financial history.
How the Score is Determined
5-Factor ZK Credit Model
Your credit score is computed entirely inside a zero-knowledge circuit. No data ever leaves your device — only a cryptographic proof is published.
On-chain Formula — axis_score_v2.aleo
Repayment History
On-time loan repayments are the strongest signal of creditworthiness.
95% repayment rate → high factor score
Position Duration
Long-term protocol engagement signals stability and commitment.
12+ months active → max factor score
Utilization Rate
Lower utilization means responsible borrowing — not maxing out credit.
30% utilization → better than 90%
Protocol Loyalty
Frequent, consistent interactions build a deeper trust profile.
50+ interactions → full loyalty score
Collateral Diversity
Using multiple collateral types reduces single-asset risk.
3+ asset types → diversification bonus
Trust → Under-Collateralized Lending
How Trust Enables Risky Lending
Traditional DeFi requires 150%+ collateral because there's no trust. AXIS replaces blind collateral with verifiable reputation.
Compute
ZK Score Generation
Your 5 credit factors are fed into the axis_score_v2.aleo circuit. The computation runs entirely on your device — the network never sees your inputs.
Prove
AuditToken Issuance
You generate an AuditToken that proves "my score ≥ threshold" to the lending pool. The actual score is never revealed — only a boolean result.
Borrow
Tier-Gated Lending
The lending contract checks your tier and assigns collateral requirements. Higher trust = lower collateral. 5% of every deposit feeds the insurance fund.
Build
Reputation Loop
Successful repayments are recorded on-chain via record_repayment, increasing your score. Defaults trigger record_default — reducing future access.
Trust Tiers — On-Chain
Enforced by axis_lending_v2.aleo — not a frontend label, a ZK-verified contract rule
Axis Elite
Tier 1
🛡5% insurance fund + collateral seizure on default
Core
Tier 2
🛡5% insurance fund + collateral seizure on default
Entry
Tier 3
🛡5% insurance fund + collateral seizure on default
Traditional DeFi
150%+
collateral, no credit history
AXIS Protocol
50%
collateral, ZK-verified trust
Deployed to Aleo Testnet
Not a Demo — Real ZK Programs
Both programs are live on Aleo testnet. Every transition executes real zero-knowledge proofs. Verify them on the explorer yourself.
axis_score_v2.aleo
Privacy-preserving 5-factor credit scoring engine
Transitions
Private Records
Public Mappings
axis_lending_v2.aleo
Tier-based under-collateralized lending with insurance fund
Transitions
Private Records
Public Mappings
Privacy Architecture
What stays private vs what's visible on-chain — by design, not by accident