Cross Credit

CrossCredit is a decentralized, cross-chain lending protocol that allows users to deposit collateral on one blockchain and borrow stablecoins on another, powered by AI-driven credit scoring, dynamic NFT passports, and secure Web3 authentication through Civic Auth.

The protocol introduces a novel concept of the DeFi Passport—a dynamic NFT that reflects a user’s real-time creditworthiness, generated using AI models that analyze their DeFi activity across chains. This NFT serves as a portable credit identity, enabling users to unlock borrowing power across multiple ecosystems without duplicating collateral.

CrossCredit smart contracts are deployed across Ethereum, Arbitrum, Polygon, Avalanche, and Optimism testnets. Chainlink CCIP is used to facilitate secure cross-chain messaging between components like Depositor.sol, Minter.sol, and MainRouter.sol. Users can deposit on one chain and seamlessly borrow on another based on their AI score and on-chain credit profile.

Civic Auth Integration

Civic Auth is fully integrated into CrossCredit using the @civic/auth-web3 SDK to manage secure, seamless authentication. Key integration points include:

• The app is wrapped in CivicAuthProvider with a valid Civic client ID, enabling global session management.

• Components like SignInButton, SignOutButton, and UserButton are used for login and account control, allowing users to authenticate with embedded wallets or existing wallet providers.

• Application routes such as /dashboard, /deposit, /borrow, and /passport are protected and accessible only to authenticated users.

• Civic's embedded wallet support allows non-technical users to interact with the protocol without requiring MetaMask or external wallets.

• Authenticated sessions persist across reloads, providing a smooth user experience.

• Civic Auth serves as a foundational identity layer, adding trust to AI-generated credit scores and mitigating risks such as Sybil attacks.

Technical Overview

• Frontend: React, TypeScript, TailwindCSS, Framer Motion

• Wallet & Auth: Civic Auth SDK

• Smart Contracts: Solidity-based contracts deployed across EVM testnets

• Cross-chain Messaging: Chainlink CCIP

• Credit Scoring Engine: AI model integrated via Chainlink Functions

• NFT System: DeFi Passport NFT dynamically tied to user credit profile

CrossCredit combines credit scoring, dynamic NFTs, and cross-chain lending into a unified DeFi protocol. Civic Auth provides the authentication layer necessary for secure, user-friendly onboarding, embedded wallets, and verified identity, making CrossCredit scalable, trustworthy, and accessible for the next generation of Web3 users.