Behavioral credit, Trust Score from repayment, and Blend integration — repayment tracking, pilot micro-loans, and yield
Credit System
Sozu’s credit approach is behavioral: repayment behavior and tracking feed a Trust Score, which forms the foundation for future credit (including pilot micro-loans via Blend). There are no traditional credit checks; trust is built through use and repayment on the same rail. Yield on idle USDC (e.g. via Blend/Defindex) supports sustainability and collateral for the system.
Overview
- Repayment & tracking — NGOs and recipients log repayments, mora, and credit state in the SozuPay dashboard. Full audit trail and transparency.
- Trust Score — Derived from repayment behavior; determines borrowing caps and eligibility for pilot micro-loans.
- Behavioral credit layer — Months 4–8 in Year 1: Trust Score, borrowing caps, pilot micro-loans via Blend pools.
- Yield in the stack — Idle USDC (org and optionally user) can earn yield (Defindex/Blend); 90% to vault, 10% hot for liquidity. Yield supports sustainability and future credit.
For full roadmap and phase details, see Overview.
How It Fits the Roadmap
| Phase | Credit focus |
|---|---|
| Year 1 | Repayment tracking, Trust Score, behavioral credit layer, pilot micro-loans via Blend. First repayment cycle with NGO partner (MUJERES 2000). |
| Year 2+ | Revenue-based credit for merchants using wallet payment history; same stack, expanded to business users. |
NGO Dashboard: Repayment & Credit Tools
- Repayment confirmation — Staff and recipients log repayments and mora.
- Credit simulator — TNA, cuotas, mora; renewal; indicators (optional Salesforce sync).
- Audit trail — All repayments and credit state changes traceable; Stellar Explorer links where applicable.
- Trust Score — Built from repayment behavior; feeds into borrowing caps and pilot micro-loans.
Blend Protocol Integration
Blend Protocol on Stellar is used for:
- Yield on idle USDC — Org and user USDC can be routed to Blend/Defindex strategies for auto-compounding yield.
- Pilot micro-loans — Year 1 roadmap includes pilot micro-loans via Blend pools, gated by Trust Score and repayment history.
- Overcollateralized lending — Blend’s model provides institutional-grade yield and lending infrastructure; Sozu layers behavioral trust on top.
Yield and credit share the same rail: repayment behavior improves Trust Score, which unlocks access to pilot credit; idle funds earn yield to support sustainability and future credit capacity.
Technical References
- Architecture: Architecture — NGO smart accounts, yield router, Defindex/Blend.
- Planning: SozuPay MVP docs — planning — NGO disbursement dev plan, production disbursements.
- Strategy and roadmap: Overview — Year 1/2/4, Phase 1 pillars, development roadmap.