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CreditWeave

CRE-powered private RWA credit underwriting with on-chain enforcement and risk controls.

DeFi & Tokenization CRE & AI Privacy

What it is

CreditWeave is a privacy-first RWA lending protocol that lets users borrow 
against tokenized real-world assets without exposing sensitive financial data 
on-chain.

The core problem is that traditional DeFi lending is fully public, while real 
credit underwriting requires confidential borrower information (income, 
liabilities, risk signals, and internal decision reasoning). CreditWeave solves 
this by moving underwriting into Chainlink CRE, where confidential data 
can be securely processed offchain, while only deterministic lending outputs
are posted onchain.

Full WorkFlow :

  1. A borrower tokenizes an RWA and receives fixed-supply property share tokens.
  2. The borrower requests underwriting onchain.
  3. A Chainlink CRE workflow is triggered by the request event, fetches
    confidential external context, runs deterministic + AI-assisted risk
    scoring, and submits signed terms back onchain.
  4. Smart contracts enforce collateral, borrow limits, repayments, and
    liquidations using those terms and fresh NAV data.
  5. Investor/secondary-holders dashboards show portfolio and risk transparency
    without exposing private borrower data.

This enables institution-style credit workflows with DeFi transparency and enforceability.

How it Works

Smart contracts (Solidity / Foundry)

  • UnderwritingRegistryV2: decision/status/terms/covenants/provenance storage
  • NAVOracle: NAV feed with staleness checks
  • RWALendingPool: collateral, borrow, repay, liquidate, reserves/loss accounting
  • RWAAssetRegistry: asset lifecycle and compliance controls
  • PortfolioRiskRegistry: segment-level haircuts/pauses/thresholds
  • LossWaterfall: junior/senior loss absorption

Chainlink CRE workflow (TypeScript):

  • Event-triggered underwriting pipeline
  • Pulls onchain context + confidential external API context
  • Applies deterministic policy gates and AI-assisted proposal logic
  • Publishes signed underwriting report onchain via forwarder

Private API layer (Node/Express):

  • Confidential data normalization endpoints for CRE
  • Explanation storage/retrieval keyed by hashes

Frontend (Next.js + wagmi/viem):

  • Tokenization, underwriting request, borrow/repay/withdraw flows
  • Admin and investor transparency dashboards
  • CRE simulation/deploy compatible UX

Links

Created by

  • Rafat Hussain