Spectral Finance is a credit scoring tool that helps promote on-chain capital efficiency.
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.
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