CeloCred is a decentralized credit scoring and lending platform built on Celo blockchain that helps merchants build financial reputation through their on-chain transaction history. By leveraging smart contracts and automated oracles, we provide transparent, immutable credit scores that enable access to microloans without traditional banking infrastructure.

Mission Accomplished:
Built a production-ready decentralized finance application empowering merchants in emerging markets with blockchain-based credit access.

Key Achievements

✅ Deployed 4 audited smart contracts on Celo Sepolia testnet with full test coverage (15/15 tests passed).

✅ Developed a cross-platform Flutter app featuring 12 functional screens for merchant registration, payments, loans, and credit monitoring.

✅ Implemented an automated credit scoring backend that fetches real blockchain transaction data (not Firebase).

✅ Integrated WalletConnect for secure wallet operations — no private keys stored.

✅ Built Firebase infrastructure with 5 collections managing off-chain merchant profiles and caching.

✅ Created a QR-based payment system with on-chain merchant verification.

✅ Implemented bidirectional transaction tracking displaying merchant income and expenses with visual indicators.

In emerging markets, nearly 80% of small merchants can’t access loans because they lack formal credit history and face strict bank requirements. To solve this, we built CeloCred — a decentralized credit platform that uses blockchain transaction data to create verifiable credit scores. It enables peer-to-peer lending, NFT-backed collateral, and real-time credit updates, helping underserved merchants access fair financing without traditional banks.

CeloCred is a decentralized credit scoring and lending solution built on the Celo Sepolia testnet to empower small merchants without traditional credit access. It uses four key smart contracts — MerchantRegistry, PaymentProcessor, LoanEscrow, and CreditScoreOracle — to enable verified business registration, CELO/cUSD payments, P2P lending with NFT collateral, and on-chain credit score storage. Our Flutter app connects securely through WalletConnect and Firebase, while a Node.js oracle service fetches blockchain data via Blockscout, calculates FICO-like credit scores using a weighted algorithm, and updates them hourly on-chain. Merchants can accept QR-based payments, build trust through transparent credit data, and access decentralized loans — bridging financial inclusion through blockchain automation.