相关论文: Scoring Aave Accounts for Creditworthiness
As smart contract platforms autonomously manage billions of dollars of capital, quantifying the portfolio risk that investors engender in these systems is increasingly important. Recent work illustrates that Proof of Stake (PoS) is…
Decentralized Finance (DeFi) money markets have seen explosive growth in recent years, with billions of dollars borrowed in various cryptocurrency assets. Key to the safety of money markets is the implementation of interest rates that…
This work is attached to the BRICS 2013 competition. We propose a two-stage model for dealing with the temporal degradation of credit scoring models. This methodology produced motivating results in a 1-year horizon. We anticipate that it…
Bitcoin's limited programmability and transaction throughput have historically prevented native Bitcoin from participating in decentralized finance (DeFi) applications. Existing solutions depend on honest-majority thresholds, or centralized…
The proliferation of autonomous software agents necessitates rigorous frameworks for establishing secure and verifiable agent-to-agent (A2A) interactions, particularly when such agents are instantiated as non-human identities(NHIs). We…
Cross-chain technology enables seamless asset transfer and message-passing within decentralized finance (DeFi) ecosystems, facilitating multi-chain coexistence in the current blockchain environment. However, this development also raises…
Sustainability or ESG rating agencies use company disclosures and external data to produce scores or ratings that assess the environmental, social, and governance performance of a company. However, sustainability ratings across agencies for…
Artificial intelligence has transformed numerous industries, from healthcare to finance, enhancing decision-making through automated systems. However, the reliability of these systems is mainly dependent on the quality of the underlying…
As one of the most popular blockchain platforms supporting smart contracts, Ethereum has caught the interest of both investors and criminals. Differently from traditional financial scenarios, executing Know Your Customer verification on…
The increasing development in the consumer credit card market brings substantial regulatory and risk management challenges. The advanced machine learning models applications bring concerns about model transparency and fairness for both…
Recommender systems are used with the purpose of suggesting contents and resources to the users in a social network. These systems use ranks or tags each user assign to different resources to predict or make suggestions to users. Lately,…
The application of AI in finance is increasingly dependent on the principles of responsible AI. These principles - explainability, fairness, privacy, accountability, transparency and soundness form the basis for trust in future AI systems.…
This paper examines two different yet related questions related to explainable AI (XAI) practices. Machine learning (ML) is increasingly important in financial services, such as pre-approval, credit underwriting, investments, and various…
The growing scalability demand of public Blockchains led to the rise of Layer-2 solutions, such as Rollups. Rollups improve transaction throughput by processing operations off-chain and posting the results on-chain. A critical component in…
Credit assessments activities are essential for financial institutions and allow the global economy to grow. Building robust, solid and accurate models that estimate the probability of a default of a company is mandatory for credit…
We present the new mining protocol Proof-of-Reputation (PoR) for decentralized Proof-of-Work (PoW) blockchains, in particular for Bitcoin. PoR combines the classical PoW with the new ingredient of cryptographic reputation. The same level of…
Decentralized finance (DeFi) protocols are crypto projects developed on the blockchain to manage digital assets. Attacks on DeFi have been frequent and have resulted in losses exceeding $80 billion. Current tools detect and locate possible…
University rankings are increasingly adopted for academic comparison and success quantification, even to establish performance-based criteria for funding assignment. However, rankings are not neutral tools, and their use frequently…
We present a mechanism that for a network of participants allows one participant of the network (Alice) to request some data from another participant (Bob) and either receive a response from Bob within a known-in-advance, bounded time b, or…
Decentralized finance (DeFi) lacks centralized oversight, often resulting in heightened volatility. In contrast, centralized finance (CeFi) offers a more stable environment with institutional safeguards. Institutional backing can play a…