Credit Score Calculation

Data fetching via Calimero

Calimero’s SDK is used to interact with the private shard. Payment data is securely fetched from the company’s systems through API endpoints.

const payments = await client.get('/api/payments', {
    companyId: 'COMPANY_ID',
});

Data Aggregation and Proof Generation

The payment data is processed to calculate:

Total Due: Sum of all payment dues.
Total Paid: Sum of all payments made.
On-Time Payments: Count of payments made on or before the due date.

Since this is ZKP-based workflow, a proof is generated for the calculated results to ensure privacy-preserving verification.

const totalDue = payments.reduce((sum, payment) => sum + payment.amountDue, 0);
const totalPaid = payments.reduce((sum, payment) => sum + payment.amountPaid, 0);

const proof = await client.post('/api/generate-proof', {
    inputs: [totalDue, totalPaid],
});

Submitting Data to StarkNet

The aggregated data (and proof, if applicable) is submitted to the StarkNet smart contract. The add_payments method is used for standard data submission, and the update_credit_score_with_proof method is used for ZKP-based workflows.

await contract.add_payment([
    [paymentDate, dueDate, amountDue, amountPaid],
]);

await contract.update_credit_score_with_proof(proof.data, [publicInputs]);