Uhuru Credit

Uhuru Credit is the first on-chain uncollateralized BNPL (Buy Now Pay Later) protocol for Africa. 1.2 billion Africans are locked out of traditional credit — no credit bureaus, no FICO scores, and DeFi lending requires 150%+ collateral they don't have. Uhuru Credit solves this by building portable, privacy-preserving credit identity from African financial data.
Users verify unique personhood via World ID, connect their African bank account (Mono.co, 50+ banks) or M-Pesa (Reclaim zkTLS), and Chainlink CRE privately computes a credit score (0-1000) inside a Trusted Execution Environment — raw financial data never leaves the TEE. The score is stored as a soulbound NFT (ERC-5192) and enables uncollateralized USDC loans from ERC-4626 tranche vaults, repaid in 4 installments. CCIP enables cross-chain credit portability between Base and Arbitrum.

• Smart Contracts: 7 Solidity contracts (Foundry, OpenZeppelin v5) deployed on Base Sepolia + Arbitrum Sepolia — CreditIdentity (soulbound NFT), LoanManager (BNPL), Senior/Junior Tranche vaults (ERC-4626), CREConsumer, CCIPSync, WorldIDGate
• CRE Workflow: TypeScript workflow using @chainlink/cre-sdk — fetches Mono.co bank transactions via HTTPClient with DON consensus, computes credit score inside TEE, ABI-encodes report, and writes on-chain via EVMClient.writeReport() to CREConsumer contract. Supports both CronTrigger (scheduled) and HTTP trigger (on-demand).
• Frontend: Next.js World Mini App (MiniKit) deployed on Vercel, targeting 10M+ World App users in Africa
• Backend: Express.js API orchestrating Mono.co, Reclaim Protocol, and World ID verification
• Cross-chain: CCIP syncs credit scores between Base and Arbitrum Sepolia