DeFi Loan

user dashboard
lender dashboard
statements

🧠 About the Project: DeFi Loan Platform Millions of people in low-income and rural communities are excluded from formal credit systems. Why? Because they lack traditional credit histories, banking access, or collateral. Our project, DeFi Loan Platform, aims to bridge that gap by enabling peer-to-peer microloans using social trust scoring and a simulated blockchain ledger—without needing a credit score.

This system empowers individuals to apply for emergency loans using alternative indicators like:

Monthly wallet activity 💸

Utility bill payment timeliness 📊

Social and digital footprint 💬

The trust score is calculated using a machine learning model, and loans are approved or rejected accordingly. Every loan, repayment, and lender registration is logged transparently on a blockchain-inspired ledger.

🔐 Key Features: OTP-based registration and login via Twilio SMS

Loan approval based on trust score (not credit score)

Blockchain-backed ledger for transactions and repayments

Lender dashboard to track fund contributions and stats

Clean UI with dark mode and live blockchain table

Built using:

Flask, SQLite, scikit-learn, Twilio, HTML/CSS/JS

Deployed on Render using gunicorn and Procfile setup