Vibe Lending

What Inspired It

Most financial interactions online are tied to centralized infrastructure and lack privacy, flexibility, and crypto-native integration. Inspired by Vibe Lending’s mission to create private, intelligent, and decentralized lending, we set out to build a system that enables users to initiate lending actions across chains—including Bitcoin , Zcash—using NEAR Intents, on-chain AI credit scoring, and zero-knowledge privacy.

What It Does

The system allows users to participate in decentralized, multichain lending using assets like NEAR, Zcash, and Bitcoin. Lenders can stake capital across chains, while borrowers access liquidity based on their AI-generated on-chain credit scores. All interactions are secured via chain signatures, executed with NEAR smart contracts and Intents, and optionally settled privately via Zcash or Bitcoin.

How We Built It

• 🧠 Integrated NEAR.AI (github) to calculate user credit scores from on-chain behavior (staking, tx history, repayments)

• 🔐 Used NEAR wallet for secure identity and chain signatures

• ⚙️ Built a backend to verify intents, validate signatures, and trigger smart contract actions

• 📜 Developed NEAR smart contracts (Nearblock) to manage lending pools, borrower interactions, and repayment logic

• 🔁 Implemented cross-chain staking and repayment support using Bitcoin, Zcash, and NEAR, enabling users to stake and repay across chains

• 🔁 Implemented cross-chain withdrawal support to Zcash for private settlement

• ☁️ Deployed on Vercel using serverless functions for speed and scalability

Challenges We Faced

• Designing secure and gas-efficient smart contracts

• Ensuring reliable intent parsing and transaction execution

• Providing accurate, on-chain credit scores while preserving privacy

• Enabling seamless cross-chain withdrawal to Zcash

• Balancing automation with user control for both lenders and borrowers

Accomplishments We’re Proud Of

• Built a fully functional system for intent-driven decentralized lending

• Delivered a clean UX with secure chain signature authorization

• Enabled AI-powered credit scoring without compromising privacy

• Successfully executed Zcash withdrawals from NEAR-based loan contracts

• Successfully executed cross-chain staking, repayment, and withdrawals with Bitcoin, Zcash, and NEAR

What We Learned

• How to leverage NEAR AI for real-time, behavior-based credit analysis

• Best practices for smart contract architecture on NEAR

• Methods for secure intent handling and signature verification

• Building cross-chain flows between NEAR and privacy-focused assets like Zcash

• The importance of simplicity and privacy in DeFi UX

What’s Next

• 🌐 Support for additional crypto assets and lending types

• 📊 Launching analytics and score dashboards for lenders and borrowers

• 🎯 Advanced AI models to refine credit scoring

• 🔐 Stronger ZK integrations for transaction-level privacy

• 🎁 Incentive layers for liquidity providers and borrowers