ZKredit

Common S3nse 2026 - Submission

Project Name

ZKredit

Description of the Project

A private credit marketplace on Solana, anchored to ENS. Borrowers prove a lender's underwriting policy over their real portfolio with a Groth16 (Zero Knowledge Proof) proof generated in the browser, and lenders compete on rate without ever seeing a balance.

The Solana program re-verifies the proof on chain and pays out to a one-time address derived from the borrower's ENS payout key, so no two loans to the same person are linkable.

Team Contact

Discord: mauries Telegram: @MauriceBoendermaker

Repository

https://github.com/MauriceBoendermaker/common_s3nse_hackathon_2026

Demo

Video demo (90 seconds max): https://youtu.be/F1YF5CP8OA8

or

Presentation (5 slides max): https://docs.google.com/presentation/d/1FwrCztcSRYNUHZTslz7Oo50usE6CQjvv/edit?usp=sharing&ouid=114008170578415192159&rtpof=true&sd=true

Deployed Application / Contract Addresses

Application:

Not publicly hosted. Runs locally (npm install && npm run zk:build && npm run dev). Portfolio reads hit Solana mainnet, ENS is read and written on Ethereum Sepolia from the user's own wallet, and settlement goes to the devnet program below.

Network:

Solana devnet (settlement program) and Ethereum Sepolia (ENSv2 beta, identity and payout-key record)

Contract address(es):

- private_credit program (Solana devnet): 69qmzHFdDMP8hGFNcJcKpduGbdjEnAhdrvLrLaydvvRc https://explorer.solana.com/address/69qmzHFdDMP8hGFNcJcKpduGbdjEnAhdrvLrLaydvvRc?cluster=devnet

- Program config, holds the verifying key hash (Solana devnet): 96eG9se9E1c4GD1f8GwupfchnsTETPAkrioVxT3fPeh5 initialize tx: https://explorer.solana.com/tx/4Qskn8SaE1vZDdaTDCAqCgbgFJnEPxjN5rHaBJf9UVrPRHks5sFBN3RajtFXYWBw7iENWNF2FKAVihRFNhGgBvHP?cluster=devnet

- Settlement mint PCUSD, 6 decimals, a test token this project minted (Solana devnet): 55rT4eYNd7V98vti9L76MhKfygRT3EYXuZ2xNotgGRz https://explorer.solana.com/address/55rT4eYNd7V98vti9L76MhKfygRT3EYXuZ2xNotgGRz?cluster=devnet

- Verifying-key hash baked into the program: 0x251cf26a7971932a09d69657cab4013b57a92e978d61d5e73727c20049c6a1c5

- Borrower identity: maurice.eth on ENSv2 Sepolia (owner 0x266C002fd57F76138dAAf2c107202377e4C3B5A7, Permissioned Resolver 0x29Ae3fB26FC459dC4B99d7c9d0Fd361C08CF68b8), payout key published under text record privatecredit.payout-key[501]

- ENS contracts used, none deployed by us: UniversalResolverV2 0x4a1817d13e9cf196f471725176355c1234b63c70, ETHRegistry 0xbdc85dd5b15d7ecb354cd7cb6f2c50b4f2c4f0e2 (Sepolia)

Bounties

• SuperteamNL
• ENS Domains

Tracks

• Privacy
• DeFi

Submission Checklist

• Project created on TAIKAI
• Team members added
• Tracks and bounties selected
• Repository is public
• Project description completed
• Demo video or presentation added
• Deployment / contract details added if applicable
• Project published before September 5, 2026 at 09:00 CET
• At least one team member is present at the venue by submission time