OPNScore
Credit that follows the human, not the wallet — identity-native undercollateralized lending on OPN Chain
by haiyen3213 · submitted Jun 6, 2026
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Description
01/03
What the builder said.
Written by the team, rendered as the markdown they typed in the submission wizard.
What we built
OPNScore is identity-native credit infrastructure for OPN Chain. It turns IOPn's sovereign identity (NeoID) into an on-chain credit layer, then builds DeFi on top of it:
- Soulbound credit score (ERC-5192) bound to an identity — it can't be bought, sold, or farmed across wallets.
- Reputation-based lending where max LTV scales with your tier. Prime users borrow above 100% of collateral value (undercollateralized) — DeFi's holy grail, made safe by a permanent, identity-bound reputation penalty for defaults.
- A sybil-resistance SDK any OPN Chain builder can reuse (fair airdrops, launchpads, 1-person-1-vote governance).
Why
DeFi lending is stuck at overcollateralization: lock $150 to borrow $100, because protocols can't tell a trustworthy human from an anonymous wallet. OPN Chain is the one ecosystem with a native, sybil-resistant identity layer (NeoID) to fix this. We make undercollateralized, identity-aware credit possible — and ship it as infrastructure other builders depend on.
How it works
- Identity → verify against an IOPn identity (NeoID adapter built; mock self-verify on the public testnet so anyone can try the full flow).
- Reputation → a soulbound score from verified humanity, account age, and repayment history; permanently damaged by defaults.
- Lending → tier-based LTV (50% → 120%), a dynamic kinked interest-rate model, an insurance pool that earns premiums and absorbs default losses, and permissionless health-factor liquidations.
- SDK → reusable
onlyHuman/onlyUniqueHuman/ reputation-tier gating.
Status
8 contracts deployed and source-verified on OPN Testnet (chain 984). 17 passing tests. Full user journey proven on-chain: verify → mint score → borrow undercollateralized → partial/full repay → insurance stake → liquidation → fair airdrop. Frontend + pitch docs in the repo.
Roadmap
02/03
What ships next.
The builder's own next-quarter plan. Use it to gauge follow-through and ambition.
Now · PoC live on OPN Testnet
- 8 contracts deployed & source-verified on chain 984
- Full flow proven on-chain: verify → score → undercollateralized borrow → partial/full repay → insurance stake → liquidation → fair airdrop
- NeoID adapter built behind a stable identity interface
Q1 2026 · Production foundations
- Integrate live NeoID (replace the mock identity source)
- Real price oracle (replace owner-set price)
- Security audit
- Mainnet beta
Q2 2026 · Token & ecosystem
- $SCORE token generation event (TGE) — post-audit, post-mainnet
- Sybil-resistant launch: distributed via our own FairAirdrop (one NeoID, one claim, scaled by reputation)
- Identity-weighted governance goes live
- Open the sybil-resistance SDK to other OPN Chain builders
Q3 2026 · Scale
- Insurance-backstop staking with $SCORE
- Credit delegation (high-reputation wallets extend credit lines)
- Institutional liquidity partner for the lending pool
Beyond
- Cross-dApp reputation portability across the IOPn ecosystem
- GTM with the IOPn team via the Builder's Programme
On-chain proof
03/03
8 contracts on OPN Chain.
The chain itself confirmed every deployment is valid, signed by the builder's wallet, and inside the season's window.