Founded in 2020 by Sishir Varghese, Spectral Finance uses a Multi-Asset Credit Risk Oracle or Macro Score to build a programmable creditworthiness ecosystem.  Through this credit risk analysis, Spectral seeks to build capital efficiency on-chain.  They also use non-fungible creditor NFTs (called NFCs) that allow users to bundle their wallets and create a single composable asset by syncing their complete on-chain transactional history.