Quick Approve

Applicant Information

Full Name

Loan Amount (USD)

Monthly Income

Employment Type

Wallet Address (ETH)

Loan Purpose

Real-time Risk Signals

Plaid Cash Flow Score

—

Monthly Net Cash Flow

—

ETH Wallet Age

—

DeFi Repayment History

—

Employment Stability

—

DTI Ratio

—

Decision Timeline

1

Data Ingest

2

Signal Processing

3

Risk Scoring

4

Decision

✓

APPROVED

Loan disbursed via XRPL payment channel

Risk Score: 0/100

Low Risk High Risk

Loan Amount

$500

Interest Rate

12%

Term

6 months

Monthly Payment

$90

Data Sources

Plaid + ETH

Decision ID

—

XRPL Native Lending Plaid LendScore API ETH On-Chain History Apache Kafka + Flink XGBoost Risk Model

Microfinance Decision Engine Demo