Why We Built Blockchain Bureau Lending Protocols now secure billions in value — but one key pillar of modern finance is still missing: credit intelligence that works in a decentralized world. For more than two decades, I worked in credit risk, analytics, and data science — including years at Credit Bureaus and building models used by banks, lenders and insurance houses. I’ve seen how robust credit systems drive economic growth and job creation. With DeFi markets' CAGR currently at 200%+, one thing became obvious: the tools for understanding on-chain creditworthiness simply didn’t exist — or worse, relied on limited heuristics that wouldn’t pass even basic institutional standards. - Over-collateralization dominates DeFi lending. - Reputation-based models are opaque. - Cross-chain, verified credit risk insights are almost non-existent. That’s why we built Blockchain Bureau: to provide transparent, objective, cross-chain credit scores and risk intelligence — designed for the blockchain economy. We combine: * Historical Credit Payment Performance * Cross-chain transactional data * Illicit Activity * Bespoke Cross-chain Aggregate Variables * Advanced risk modeling techniques proven in traditional finance Our mission is simple: be the credit bureau layer for blockchain — (i) driving new financial products onchain, (ii) provide the guardrails proven in traditional finance, and (iii) enabling responsible risk-based innovation across DeFi and Web3. If you’re building in this space, or exploring how to bring risk-based credit to blockchain networks — let’s talk.