相关论文: Scoring Aave Accounts for Creditworthiness

The digitalization of credit scoring has become essential for financial institutions and commercial banks, especially in the era of digital transformation. Machine learning techniques are commonly used to evaluate customers'…

This paper presents the design, implementation, and evaluation of a decentralized system for issuing and verifying academic certificates based on blockchain technology. The proposed solution addresses common limitations of traditional…

Bank credit rating classifies banks into different levels based on publicly disclosed and internal information, serving as an important input in financial risk management. However, domain experts have a vague idea of exploring and comparing…

Decentralized applications are often composed of multiple interconnected smart contracts. This is especially evident in DeFi, where protocols are heavily intertwined and rely on a variety of basic building blocks such as tokens,…

Consensus mechanism is the heart of any blockchain network. Many projects have proposed alternative protocols to improve restricted scalability of Proof of Work originated since Bitcoin. As an improvement of Delegated Proof of Stake, in…

Decentralized storage is one of the most natural applications built on blockchains and a central component of the Web3 ecosystem. Yet despite a decade of active development -- from IPFS and Filecoin to more recent entrants -- most of these…

As of August 2022, blockchain-based assets boast a combined market capitalisation exceeding one trillion USD, among which the most prominent are the decentralised autonomous organisation (DAO) tokens associated with decentralised finance…

Credit scoring is vital in the financial industry, assessing the risk of lending to credit card applicants. Traditional credit scoring methods face challenges with large datasets and data imbalance between creditworthy and non-creditworthy…

We study decentralized cryptocurrency protocols in which the participants do not deplete physical scarce resources. Such protocols commonly rely on Proof of Stake, i.e., on mechanisms that extend voting power to the stakeholders of the…

Since the inception of permissionless blockchains with Bitcoin in 2008, it became apparent that their most well-suited use case is related to making the financial system and its advantages available to everyone seamlessly without depending…

Test, Evaluation, Verification, and Validation (TEVV) for Artificial Intelligence (AI) is a challenge that threatens to limit the economic and societal rewards that AI researchers have devoted themselves to producing. A central task of TEVV…

Deploying machine learning in regulated financial environments -- credit risk, fraud detection, and anti-money laundering -- exposes critical vulnerabilities in algorithmic reproducibility. While early financial ML addressed statistical…

Evaluation of systemic risk in networks of financial institutions in general requires information of inter-institution financial exposures. In the framework of Debt Rank algorithm, we introduce an approximate method of systemic risk…

Artificial Intelligence (AI) is an important driving force for the development and transformation of the financial industry. However, with the fast-evolving AI technology and application, unintentional bias, insufficient model validation,…

This paper investigates whether Bittensor can be considered the Bitcoin of decentralized Artificial Intelligence by directly comparing its tokenomics, decentralization properties, consensus mechanism, and incentive structure against those…

The rapid expansion of AI-driven applications powered by large language models has led to a surge in AI interaction data, raising urgent challenges in security, accountability, and risk traceability. This paper presents AiAuditTrack (AAT),…

Everyday life is increasingly influenced by artificial intelligence, and there is no question that machine learning algorithms must be designed to be reliable and trustworthy for everyone. Specifically, computer scientists consider an…

Recent AI-related scandals have shed a spotlight on accountability in AI, with increasing public interest and concern. This paper draws on literature from public policy and governance to make two contributions. First, we propose an AI…

Contracts specifying a procedure's behavior in terms of pre- and postconditions are essential for scalable software verification, but cannot express any constraints on the events occurring during execution of the procedure. This…

Decentralized, agentic AI marketplaces are rapidly emerging to support software engineering tasks such as debugging, patch generation, and security auditing, often operating without centralized oversight. However, existing reputation…