블룸은 blockchain에 신용 평가를 제공합니다. 설립 스탠포드 엔지니어, 블룸 신용 글로벌하고 포괄적합니다. 블룸은 모두 전통과 디지털 통화 대출은 은행 계좌 또는 신용 점수를 얻을 수 없습니다 수십억의 사람들을 제공 할 수 있습니다. 조이 크루그 (점술가 / 판테라)와 조 Urgo (District0x)의 자문 역할을한다.
STO/ICO기본정보
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기본정보
플랫폼 | Ethereum |
---|---|
타입 | ERC20 |
참가가능화폐 | ETH |
유통량/발행량 | 50% |
KYC | 불분명 |
제한 구역 | 불분명 |
웹사이트 | 홈페이지 |
백서 | 다운로드 |
개요
Bloom is a standardized, programmable ecosystem to facilitate on-demand, secure, and global access to credit services. Bloom presents a novel approach to credit risk assessment allowing both traditional fiat lenders and digital asset lenders to issue compliant loans on the blockchain while increasing competition to lower fees and improve borrower experience at every layer of the credit issuance process.The Bloom protocol presents solutions to the following problems:
- Cross-Border Credit Scoring: Credit histories are not portable across countries, forcing individuals to re-establish their credit track records from scratch when they relocate.
- Backward-Looking Creditworthiness Assessment: Credit systems rely on historical debt repayment information and therefore cannot easily accommodate users who are new to credit. This is especially prevalent among minorities, the underbanked, and the youth.
- Lenders Have Limited Ability to Expand and Offer Loans Globally: Borrowers in markets with less developed financial and regulatory infrastructure struggle to access credit as lenders have limited identity and scoring data to base credit decisions.
- High Risk of Identity Theft: Borrowers must expose all of their personal information when applying for a loan - the same info an attacker can use to open new lines of credit.
- Uncompetitive Credit Scoring Ecosystem: Credit data is centralized. In most markets, a single provider scores credit, resulting in an uncompetitive ecosystem for evaluating credit risk. FICO was checked on 90% of all U.S. Loans.