DeFi - Decentralized Finance

[Fabien LABROUSSE]

[phil nfp]

[Fisher Tow]

Releasing the results of its first credit score on the Aave Protocol, a decentralized credit scoring mechanism called Cred Protocol is set to expand to Compound and MakerDAO.

Cred Protocol, a decentralized credit scoring startup has unveiled the results of its first automated credit scoring system for users of decentralized finance (DeFi).

Cred Protocol CEO Julian Gay, outlined the results in a Twitter thread which showed how Cred successfully utilized past transaction behaviour on the Aave protocol to assess the creditworthiness of future borrowers based on on-chain behavior in the DeFi space.

By using machine learning to assess time-based account attributes and analyze the user’s past transaction behavior Cred Protocol generates a health factor score that predicts the likelihood of future liquidation for a single address.

Which according to Gay, was one of the strongest baseline creditworthiness predictors.

Cred Protocol claims to make decentralized finance more accessible to the world by implementing trustworthy credit scores that would see “anyone with an internet connection” and “a good financial reputation” gain access to loans.

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Where borrowers and lenders have their loan worthiness assessed by a central authority such as a credit bureau, DeFi makes it possible to run financial services with a peer-to-peer (P2P) system, eliminating the idea of an intermediary or central authority.

Prominent DeFi researcher Chris Blec raised concerns that a borrower could use multiple Ethereum addresses to skirt credit scoring — to which Gay responded that a potential solution was in Beta.

Cred Protocol is a small nine-person team based out of San Francisco with additional “hubs” in New York and London, however, Gay says that he aims to bring DeFi technology to more than one billion people.

In a Medium post, Cred outlined its plans to grow from the Aave protocol and expand its data analysis to other lending protocols like Compound and MakerDAO.

Two years ago, blockchain lending protocol Teller raised $1 million in a seed funding round to incorporate traditional credit scores into DeFi.

In November 2021, Credit DeFi Alliance (CreDA) officially launched a credit rating service that would ascertain a user’s creditworthiness with data from multiple blockchains.

CreDA was developed to work using the CreDA Oracle by evaluating records of past transactions carried out by the user across several blockchains with the help of artificial intelligence (AI).

Recently, P2P lending protocol RociFi labs concluded a seed funding of $2.7 million in partnership with asset management firm GoldenTree, which is aimed towards expanding on-chain credit ratings for decentralized finance.
Thanks for reading!

[Fabien LABROUSSE]

d'UBS au Web3, découvrez le parcours hors normes de Caspar Sauter, Co-Fondateur chez Quantena (D8X) et ancien Executive Director (quant) chez UBS.

Vidéo réalisée dans les bureaux de SwissBorg

Découvrez en avant première le projet commun VideoBourse / SwissBorg / D8X : *TraderBorg* sur https://traderborg.io/

"À la base je suis économiste, j'ai étudié de l'éco, j'ai fait un PHD en éco, j'ai bossé en recherche après je suis je suis parti en finance j'ai passé des années à l'UBS j'ai bossé comme quant à l'UBS, j'ai monté des teams en Europe et en Asie et j'étais toujours passionné par la blockchain et voilà quoi. Du coup vu le potentiel que j'ai vu et mes co-fondateurs ont vu dans la technologie j'ai décidé de quitter l'UBS et d'aller full time en Web3. On est trois co-fondateurs nous on a des profils risk management, financial engineering et puis computer science. Après on a, dans la team, on a des frontend engineers, on a des backend engeneers et puis on a une partie qui fait le marketing donc ça dépend vraiment c'est c'est assez varié quoi."

[Fabien LABROUSSE]

[johnmathewy]

Many entrepreneurs aim to create their own decentralized exchange platform nowadays, and most of their choice is building a DEX using the Pancakeswap clone.

Yes! The Pancakeswap clone software is the smart choice for your DeFi startup. This pre-coded software mirrors each & every feature and operation of the Pancakeswap crypto trading platform.

Leveraging this script, you can build your own Decentralized finance solution which allows your users to trade, farm, and stake tokens easily. With the power of Binance Smart Chain (BSC), this clone platform facilitates crypto transactions more quickly and securely.

Why go for a clone script? Instead of building from scratch?


Fast Setup - By opting for the clone software, you can start your crypto business effortlessly and quickly. But you can’t do this if you build from scratch.

Low Cost - You can save more expenses, you don’t need to hire more developers and spend thousands of dollars for coding on your product.

Flexible Options - The script already comes with the foundation, you pour your secret sauce to make it unique. You can add or remove features like multi-chain support, governance systems, and NFT integration on this Pancakeswap-like protocol.

Strong liquidity Opportunities - You can attract a wide range of liquidity providers with features like yield farming, staking, and automated market-making (AMM) methods.

What features is this pancake swap clone packed with?


AMM-Based Swaps
Wallet Integration
Multi-lingual Support
Yield Farming
Staking
Voting
Slippage Tolerance

These are some common features that come along with Pancakeswap clone development.

In short, the Pancakeswap clone is the ideal choice for your DeFi start-up. You just need to find the best Pancakswap script provider to get started better.

[AnthonyWherY]

DeFi news updates

[johnmathewy]

Starting a decentralized exchange platform is not an easy task. Especially in this 2025 era, the competition to start a business in the DeFi space is growing. Additionally, people started expecting more, they want a perfect platform that is equipped with many advanced features and an innovative platform for trading cryptocurrencies effectively. This is where dydx-like exchange platforms fulfill all their expectations. Whether you want to start a venture in the DeFi space, the dydx clone script helps you to launch a successful platform.

But why is this model so effective, and how does this script help your business? Let me break it down.

Why Clone dydx Over Other Platforms


dydx is not like other platforms, it has a unique way of handling crypto trading. Here’s the reason why cloning dydx is a better option than others.

No Price Impacts On Trades


dydx uses Oracle-based systems over automated market makers to facilitate trades. This prevents price fluctuations during large trades.

Strong Liquidity Model


The dydx Liquidity Provider (GPL) pool supports a variety of assets, such as BTC, ETH, and stable coins. This helps to boost the platform’s overall efficiency.

Minimized Risks For Traders


This platform comes with intelligent risk management techniques to minimize the risk of unexpected liquidations.

Community Governance


The dydx platform allows token holders to participate in governance, ensuring the platform adapts to user requirements.

If you build a DEX platform with the dydx clone script, you can establish a solution with all the core functionalities seen in the dydx platform. Moreover, you can add your innovative features to make a unique solution.

How a dydx Clone Script Helps Your DeFi Business


Launching a successful DEX is only just going live. A good platform should handle a more extensive user base perfectly and smoothly without any struggles.

Here’s how dydx clone software helps your DeFi business.

1. Helps You to Launch Your Business Faster


Building a DEX platform with the perpetual contracts feature from scratch is not easy. Here, the dydx clone script allows you to create a bug-free and high-performing DEX platform in a few weeks.

2. It Manages a Larger User Base More Effectively


A dydx is built to manage a large user base effectively. The clone script does this same thing. It comes with:

Robust Smart Contracts
Decentralized Liquidity Pools
Pricing Based On Oracles

This clone remains fast and economical, even as user numbers rise. As trading volume increases, the dydx clone protocol stays stable without high gas fees or delays.

3. Highly Secure—Just Like dydx


Security measures are unavoidable in DeFi protocols, the dydx clone equips with all the security features seen in the dydx platform. Additionally, you can foster its security by adding your own features.

It comes with robust smart contracts in the basic clone, so you can focus on marketing your platform without stressing about the platform’s security.

Because of its decentralized protocol, this clone avoids all the issues seen in the centralized exchange platforms.

It’s Compatible With Multiple Blockchains

The future of decentralized finance is multi-chain compatibility. With the proper configuration, your dydx-based decentralized exchange platform operates efficiently across multiple blockchain networks.

This helps users trade across multiple blockchain networks without any hassles. This will result in an enhanced user base, and more user base leads to more liquidity, and more liquidity helps to run a strong DEX business.

Closing Thoughts
A strong foundation is essential to build a successful DEX platform. Here, the dydx clone script gives you the perfect foundation to create a decentralized exchange that handles a larger user base and offers perpetual contracts to users.

This script will be the better choice for you if you want to build a future-rich solution with perpetual contracts.

[johnmathewy]

Recently, I have been thinking about an idea and wanted to see if someone has tried it out before. If you’re passionate about DeFi, you might know about how the Uniswap clone script lets you set up seamless DEX with excellent token swapping. But how will it be when we integrate lending capabilities to that clone?

Nowadays, the lending sector is experiencing massive growth. In Q1 of 2025, platforms such as Compound and Aave are holding more (TVL) Total value locked at $10 billion. This shows an exact enthusiasm for crypto lending and borrowing. So, why not offer both swapping and lending in a single platform with Uniswap’s characteristics?

I’m discussing the idea of integrating lending features into a Uniswap clone.

Imagine this: How will it work when users can conduct token swaps and also borrow cryptocurrency by providing collateral on the same platform? This will help to improve user convenience and offer additional growth opportunities for the Uniswap clone, right?

Making this kind of Uniswap clone script is possible from the development side, but it’s not easy. You need to focus on perfect smart contracts that handle loans, monitor collateral, and manage liquidations if the market experiences significant changes. A trustworthy price feed (oracle) is also essential for accurate asset valuation.

Trying this is different, I think. You need to find a reliable clone script provider to craft your innovative idea into reality.

You need to pick the development firm that has high experience in blockchain, tokenomics, lending and borrowing, smart contracts, and more.

[johnmathewy]

Absolutely! Yes. Here’s the reason why customization is important.

One of the biggest misconceptions about DeFi development is that it’s just a “template” you pick off the shelf. The truth? A good DeFi development service can be molded around your business like a custom-tailored suit.

It’s Not Just Code, It’s Strategy

When you work with the right DeFi development team, they don’t just ask, “What features do you want?” They dig into what your platform actually needs to stand out. If your goal is to launch a niche lending protocol for small-scale farmers, your smart contracts, UI, and risk logic will look very different from a cross-chain DEX targeting high-volume traders.

Customization in Action

Think of it this way:

A staking pool for a gaming platform might need NFT reward integration.

A DeFi insurance product might need automated claim verification through oracles.

A DAO-focused project might need a voting mechanism built for fair representation rather than pure token weight.

This adaptability arises from selecting a DeFi development services team that is knowledgeable about various blockchain ecosystems, DeFi protocols, and security layers. Ethereum, BNB Chain, Polygon, and Arbitrum provide distinct tools that you can combine in different ways.

Final Notes

When you build with customization in mind, remember you’re not just launching a project. You’re creating an experience that truly fits your audience and keeps them coming back.

[johnmathewy]

DeFi development companies place a paramount focus on ensuring smart contract security to uphold the integrity and reliability of decentralized finance solutions. By employing a multifaceted approach, these companies incorporate rigorous code reviews, audits by reputable third-party firms, and ongoing monitoring mechanisms to detect vulnerabilities promptly. Through the utilization of industry best practices, secure development frameworks, and advanced encryption techniques.

[johnmathewy]

Getting into the world of DeFi staking platforms is like stepping into a vast garden of opportunities to grow your crypto assets effortlessly. These platforms are designed to help you earn remarkable yields on your crypto holdings simply by staking them. The development of a DeFi staking platform requires intricate technical expertise and innovation to ensure smooth operations and secure functionalities.