- Digital identity and credit scoring
Bloom is an end-to-end protocol for identity verification, risk assessment and credit scoring, entirely on the blockchain.
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The traditional credit score and risk assessment system that traditional financial institutions use to verify whether someone is credit-worthy, leaves a lot to be desired. In the United States, credit scoring is controlled by one single organization (FICO) and it requires borrowers to first take on debt before they can receive a credit score, leaving millions of people unscorable.
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