zk-STRKfi
🚀 Inspiration
DeFi lending still relies heavily on over-collateralization because there’s no privacy-preserving way to verify financial credibility. We wanted to empower users to prove their on-chain income or activity without exposing wallet details, ensuring both privacy and trust. Thus, zk-STRKfi was born — a ZK-powered loan verification system that makes crypto lending smarter, safer, and privacy-first.
💡 What it does
zk-STRKfi allows users to prove their financial stability using on-chain wallet activity through Zero-Knowledge Proofs (ZKPs). Users can verify statements like:
“I earned over 50 STRK this month” without revealing wallet addresses, transaction history, or counterparties. Lenders can validate these proofs on StarkNet, enabling trustless, privacy-preserving loan verification across any network.
🏗️ How we built it
⚙️ Smart Contracts (StarkNet Cairo): Manage loan requests, repayments, and proof validations.
🧮 ZK Circuit (Circom): Generates privacy-preserving proofs from wallet data.
🌐 Backend Services: Aggregate wallet data via StarkNet, Base, or Ethereum APIs.
💻 Frontend (React.js): Enables users to connect wallets, generate proofs, and request loans.
🔗 Integration Layer: Built for multi-chain support, allowing any network to integrate zk-STRKfi.
🧩 Challenges we ran into
🧠 Designing efficient ZK circuits to handle large transaction histories.
⚡ Ensuring fast proof generation for real-time loan applications.
🔒 Integrating Circom proofs with StarkNet Cairo contracts.
⚖️ Maintaining privacy, validity, and performance balance across the stack.
🏆 Accomplishments that we're proud of
✅ Built an end-to-end ZK proof verification flow on StarkNet.
🔐 Achieved privacy-preserving income verification without revealing wallet data.
🌉 Designed a multi-chain compatible architecture for broader DeFi use.
🤝 Enabled trustless, anonymous lending combining decentralization and privacy.
📚 What we learned
🧠 Structuring and optimizing ZK circuits for wallet-based income validation.
🔗 Connecting Circom, StarkNet Cairo, and React.js into a unified pipeline.
⚖️ Understanding trade-offs between privacy, scalability, and usability.
🌍 Realizing the transformative potential of ZKPs in DeFi credit systems.
🌈 What's next for zk-STRKfi
🌐 Expand to multi-chain verification (Base, Polygon, Ethereum).
💳 Develop decentralized credit scoring powered by ZKPs.
📊 Launch lender dashboards for verified borrower insights.
🪪 Integrate on-chain identity attestations (zkID, Fractal ID).
🔌 Enable plug-and-play SDKs so any DeFi protocol can integrate zk-STRKfi easily.
🔐 zk-STRKfi – Where Privacy Meets Trust. Powered by StarkNet and Zero Knowledge.
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