zLend: A Dual-Scope Cash-Flow Reconstruction Framework for On-Chain Credit Underwriting
By Girish G N · Paper · q-fin.RM
Decentralized lending lacks a credit bureau: a borrower's capacity to repay must be inferred entirely from public on-chain activity, without income verification or a liability record. This paper presents zLend, a deployed cash-flow underwriting framework that reconstructs a walle