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Veraflow

On-chain identity & credit protocol

Identity and lending protocol for underbanked workers, built as ten contracts across identity, credentials, lending, and governance. Work credentials become soulbound NFTs, and an on-chain reputation score unlocks collateral-free lending.

Visit live siteSource code
Veraflow preview
10
Deployed contracts
0-1000
Reputation score range
4
Protocol modules

The problem

Underbanked workers can't access credit because they lack a formal financial history, even when they hold real, verifiable work credentials.

The approach

An identity and lending protocol on Avalanche that converts work credentials into soulbound NFTs and computes an on-chain reputation score to unlock collateral-free lending. Split into four modules so identity, credentials, lending, and governance stay independently upgradeable.

My role

Protocol architecture and the full contract suite

Contracts

  • WorkerIdentity
  • CredentialRegistry
  • CredentialVerifier
  • SoulboundCredential
  • ReputationScore
  • LendingPool
  • LoanManager
  • CollateralOracle
  • IssuerGovernance
  • DisputeResolver

Highlights

  • Ten contracts across identity, credentials, lending, and governance
  • Soulbound NFTs for non-transferable work credentials
  • Reputation scoring from 0 to 1000 drives borrowing power
  • LendingPool and LoanManager handle collateral-free loans
  • IssuerGovernance and DisputeResolver keep credential issuers accountable
  • Built on OpenZeppelin, deployed and verifiable on Fuji
SolidityFoundryAvalancheSoulbound NFTsOpenZeppelinNext.js

On-chain deployments

Every address below is live on Avalanche Fuji and links to the block explorer, so you can read the deployed bytecode yourself.

ContractAddressNetwork
WorkerIdentity0x7C937A7E...6103F766Avalanche Fuji
CredentialRegistry0x7dc6ee61...f1a63dadAvalanche Fuji
CredentialVerifier0x9e8fd677...333f4928Avalanche Fuji
SoulboundCredential0xdc704174...dd406a3dAvalanche Fuji
ReputationScore0x263A2433...D1D1AA7aAvalanche Fuji
LendingPool0x04DD8F6E...B7496dCcAvalanche Fuji
LoanManager0x4b66edc9...e9103cc1Avalanche Fuji
CollateralOracle0xd35374e2...4caba76aAvalanche Fuji
IssuerGovernance0xcbab6c09...195fee4aAvalanche Fuji
DisputeResolver0x112bfe9b...0278418bAvalanche Fuji
See all work