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Crypto

The On-Chain Credit Scoring Gap: How Mid-Market Lenders Are Using Blockchain Data to Underwrite Unsecured Loans Without Traditional Credit Bureaus

Mid-market lenders are increasingly using on-chain transaction histories, wallet analytics and DeFi repayment records to underwrite unsecured loans for borrowers with thin or no traditional credit files. This analysis examines the data sources, risk models, commercial implications and regulatory gaps that define this emerging credit vertical.

14/07/2026 / 6 min read

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