FastCredit: AI-Powered On-Chain Credit Passports

FastCredit is a decentralized, AI-driven platform that empowers unbanked and gig workers to build a verifiable, evolving financial identity on the Bahamut blockchain.

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❗ Problem Statement

• 1.4 Billion Unbanked Adults Globally: According to the World Bank, 1.4 billion adults lack access to essential financial services.
• Gig Workers Face Credit Challenges: Nearly half of gig workers are denied financial services due to traditional credit scoring that ignores their income patterns.
• "Credit Invisible" Individuals: Many are excluded from the financial system because they lack a formal credit history, making it hard to prove creditworthiness.

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🚀 Deployed Contracts

• FastCreditStaking (Bahamut Testnet): 0x92471aD0ED84d2172eA0A3ee65dED3F17eE9DAC0 on FTNScan
• FastCredit (NFT): 0x410035fFCd2c21f5B2a0473016A78cE5ffCF2b07

🎥 Demo Video

Watch the demo on Tella

⚡ Demo Gif

🏆 Key Features

• Embedded Wallets: Seamless onboarding with Privy-powered wallets.
• Staking for Reputation: Users stake FTN to initiate their credit journey and receive a rank.
• AI Income Verification: Gemini AI verifies income docs (receipts, voice notes, etc.) for dynamic rank upgrades.
• NFT Credit Passports: Mintable, upgradable NFTs represent a user's financial status and evolve as more data is added.
• EVM Compatibility: Exportable signatures to prove credit status across any EVM dApp.

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🚦 User Flow

1. Wallet Creation & Onramp: Instantly create an embedded wallet and onramp to FTN.
2. Stake FTN: Stake tokens to receive an initial (capped) credit rank.
3. AI Verification: Upload income documents for AI-powered verification and rank upgrades.
4. Mint NFT Passport: Mint your dynamic credit passport NFT.
5. Prove Credit Anywhere: Export a signature to prove your rank on any EVM-compatible dApp.

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🛠️ Smart Contract Architecture

FastCredit.sol

• ERC-721 NFT contract representing a user's financial identity and rank (BRONZE, SILVER, GOLD, PLATINUM, DIAMOND).
• Stores stake amount, verified income, and allows for dynamic upgrades via AI verification.
• Only authorized contracts can mint or update passports.

PassportStaking.sol

• Users stake FTN to mint their Credit Passport NFT.
• Rank is determined by the amount staked (with thresholds for each rank).
• Allows multiple stakes per user for demo flexibility.
• Enforces a lock period before unstaking.

AIVerifier.sol

• Handles verification of user income data through an oracle pattern.
• Integrates with backend AI (Gemini) to verify documents and update NFT rank.
• Rank can be upgraded based on verified income, never downgraded.

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🌐 Technology Stack

• Blockchain: Bahamut (Testnet)
• Smart Contracts: Solidity, Hardhat, OpenZeppelin
• AI: Google Gemini API
• Frontend: Next.js, React, Privy, Ethers.js
• Backend: Node.js/Express (for AI verification, if running locally)

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🧑‍💻 Quick Start

Prerequisites

• Node.js and npm
• Hardhat
• Metamask wallet
• Google Gemini API key

Installation

1. Clone the repository:

   git clone https://github.com/yourusername/credit-passport.git
   cd credit-passport

2. Install dependencies:

   npm install

3. Create a .env file with the following variables:

   PRIVATE_KEY=your_private_key
   BAHAMUT_TESTNET_URL=https://bahamut-testnet-rpc.ontheweb3.com
   BAHAMUT_MAINNET_URL=https://bahamut-rpc.ontheweb3.com
   GEMINI_API_KEY=your_gemini_api_key
   

Deployment

Deploy to Bahamut testnet:

npm run deploy -- --network bahamut_testnet

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🖥️ Frontend

• Built with Next.js/React for a clean, minimal UI.
• Uses Privy for embedded wallet and Bahamut Testnet onboarding.
• Automatic navigation between steps: /start/stake, /start/verify, /start/stake2, /start/mint.
• Error handling for contract/network/auth issues.

To run the frontend:

cd frontend
npm install
npm run dev

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🧪 Testing

The project uses Hardhat for testing and deployment. To run the tests:

npx hardhat test

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📈 Roadmap

• Bahamut testnet deployment
• AI-powered income verification
• NFT credit passport minting
• Bahamut mainnet launch
• DeFi protocol integrations
• Mobile app & UX enhancements
• Cross-chain support
• Community governance

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📸 Demo Flow & Architecture

FastCredit is a hybrid onchain/offchain credit passport system powered by AI and staking, designed for seamless user onboarding and demoability.

Demo Flow

1. Stake FTN (Capped):
   • User stakes FTN (native token) to get an initial credit rank (up to SILVER).
   • Contract: FastCreditStaking.
   • UI: /start/stake.
2. AI Document Verification:
   • User uploads income documents (file/camera).
   • Gemini AI verifies docs and suggests a new rank.
   • UI: /start/verify.
3. Stake Again (Uncapped):
   • User is prompted to stake 0.4 FTN (or more) to unlock DIAMOND rank.
   • UI: /start/stake2.
4. Mint NFT:
   • User mints their FastCredit NFT, reflecting their final, AI-verified rank and staked amount.
   • NFT is minted onchain, visible on explorer.
   • UI: /start/mint.

Key Features

• Staking Contract:
  • Allows multiple stakes per user (for demo flexibility).
  • Mints a new NFT on every stake.
  • Uses FTN (native) for staking.
• NFT Contract:
  • No longer restricts to one NFT per user (for demo).
  • Stores rank, stake amount, and verified income.
• AI Verification:
  • Gemini AI runs on backend, verifies uploaded docs, and suggests rank.
• Frontend:
  • Built with Next.js/React, minimal and clean UI.
  • Uses Privy for embedded wallet and Bahamut Testnet.
  • Automatic navigation between steps.
  • Error handling for contract/network/auth issues.

Architecture

• Contracts: Solidity, OpenZeppelin, deployed to Bahamut Testnet.
• Frontend: Next.js, Privy, Ethers.js for contract calls.
• Backend: Node.js/Express (for AI verification, if running locally).

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Licensing

This project is licensed under MIT License.

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For more details, see the code and comments in the respective contract and frontend files.