ARIF

Arif is a fully on-chain, regulation-compliant peer-to-peer lending solution where users can borrow and lend directly to each other. It reimagines lending by moving beyond the rigidity of traditional finance and the trust issues of DeFi, creating a transparent and secure credit network for everyone.

At its core, the system relies on verifying the borrower’s identity and validating on-chain transaction history with ai. Through KYC integration, users confirm their identities, This data is then processed by the platform’s LLM-based AI Risk Engine to generate a dynamic risk score for each borrower. Soon financial data from Web2 platforms will be securely verified through zkTLS. 

Lenders can base their decisions solely on this risk score and the borrower’s on-chain credit record. Smart contracts automate the funding and repayment process, and in case of default, the borrower’s record is permanently linked to their on-chain identity.

By combining regulatory compliance with decentralization, the platform creates a credit ecosystem built on trust, without reliance on central authorities. In the long term, the goal is to establish a portable, global financial identity where risk scores can be recognized across the Web3 ecosystem.