Technology & AIAug 17, 2026
zLend: A Dual-Scope Cash-Flow Reconstruction Framework for On-Chain Credit Underwriting
Decentralized lending lacks a credit bureau: a borrower's capacity to repay must be inferred entirely from public on-chain activity, without income verification or a liability record.
Decentralized lending lacks a credit bureau: a borrower's capacity to repay must be inferred entirely from public on-chain activity, without income verification or a liability record. This paper presents zLend, a deployed cash-flow underwriting framework that reconstructs a…
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