Undercollateralized Credit Score Attestation Tool

WHAT IT DOES

Undercollateralized Credit Score Attestation Tool enables authorized issuers—such as DAOs, credit committees, or governance bodies—to issue verifiable on-chain credit score attestations to users. The tool reads the credit registry contract to check existing attestations, expiration dates, and schema definitions, then issues credit score tokens (EIP-4973 soulbound or EIP-1155 badges) that represent a user's creditworthiness for undercollateralized lending. The attestations include a numeric score, schema name, and expiration timestamp, and can be issued in batches to multiple users in a single transaction using the shared BotGentz bulk sender contracts.

This tool is essential for decentralized lending platforms, DAOs, and credit protocols that want to enable undercollateralized borrowing based on on-chain reputation and credit scoring. It provides a transparent, immutable record of credit assessments that can be verified by any lending protocol.

HOW TO USE

1. Connect your EVM wallet to the network where the credit registry is deployed.

2. Enter the credit registry/attestation contract address and the schema name.

3. Add users by entering address, credit score (0-1000), and expiry date per line.

4. Click "Check Users" to verify which users are eligible—the tool checks for existing attestations and expiration status.

5. Review the user status table showing each user's current attestation status.

6. Click "Issue Attestations" to approve the fee payment and mint credit score tokens to all eligible users.

7. Track progress via the status bar and confirmation of the transaction hash upon completion.

TECHNICAL MECHANISM

The tool reads the credit registry contract using view functions: getAttestation(address) or hasCredential(address) to check existing attestations, and getSchema() for the attestation schema. It verifies whether a user already has an attestation or if it has expired (based on the expiration timestamp). For issuance, the tool attempts batchIssueCredential(recipients[], scores[], schema, expiry) if available, falling back to sequential issueCredential(recipient, score, schema, expiry) calls. The tool uses the BotGentz bulk sender contract to handle fee payments, reading fee() live from the sender contract and displaying the owner before execution. Gas estimation applies a 20% buffer, and actual gas costs are calculated from receipt.effectiveGasPrice.

WHAT IT CANNOT SEE

This tool cannot verify the user's off-chain credit history, income, or financial background—it relies on the credit committee's assessment. It cannot guarantee that the credit score accurately reflects the user's creditworthiness; the score is a subjective assessment. It cannot revoke attestations if the user's financial situation changes; revocation requires separate governance actions. It cannot verify that the user has completed off-chain verification steps (e.g., KYC, legal agreements). It cannot manage attestations across multiple credit scoring models or schemas; each schema may require different parameters. It cannot validate the user's legal or regulatory compliance; the tool assumes the issuer has performed the necessary checks.

PLEASE NOTE

EVM chains only. This tool requires that the credit registry contract implements the standard interfaces used by the tool. The tool attempts multiple function signatures for compatibility. Attestations are irreversible—ensure the user is eligible before issuing. The fee for the bulk sender contract is read live and displayed before execution; the tool does not hardcode the fee. Credit scores are for informational purposes and do not constitute financial advice.