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Spectral Profile picture
@Spectral_Labs
Aug 23, 2022 • 7 tweets • 7 min read • Read on X
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1/7 🚀We’re thrilled to share that the @SpectralFi App V0.3.0 is available in Open Beta!
blog.spectral.finance/spectral-app-v…

You can now compute your #Web3 creditworthiness or #MACROScore, a cutting-edge machine-learning-based credit-risk model.

What’s the problem we’re solving? 🧵
2/7 Credit scoring should be trustless and globally accessible. We believe it is a public good.

@SpectralFi builds upon @ethereum ’s innovations and sets out to achieve the same goal for programmable creditworthiness and reputation that #Ethereum did for programmable money.
3/7 How are we solving this?

1️⃣ @SpectralFi App: on-chain credit Scores
(aka #MACROScore) for web3 users

2️⃣ Spectral API: programmable creditworthiness for builders

3️⃣ Decentralized #Scoracle Network (Credit Risk #Oracle): crowd-sourced #ML platform for data scientists
4/7 So, what can you do with the @SpectralFi App?

✅ Instantly check your Score

🧬 Examine your personalized Score ingredients

🎆 Mint an NFC (Non-Fungible Credit) on @arbitrum testnet

👀 Monitor your on-chain creditworthiness journey
5/7 What's under the hood?

The #MACROScore (short for Multi-Asset Credit Risk Oracle) represents your credit standing in #DeFi and is calculated using many different pieces of your @ethereum transaction data.
6/7 What's next?🤔

This release remains an experimental build.

We'd love to chat with anyone who's interested in collaborating and share feedback:
research.typeform.com/to/dk5M00Kc

...or feel free to hit our DMs 💌
7/7 🎊Bonus: celebrate the launch with us on Thursday 25th of August at 3pm ET on @discord. We have a legendary Launch Party planned and there will be giveaways!🍾

Join us here: discord.gg/Z9ESSwy

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More from @Spectral_Labs

Spectral Profile picture
Nov 28
Memecoins proved what’s possible when culture meets capital. But what if memes weren’t static? What if they thought, traded, evolved?

The Onchain Agent Economy Phase 1 is live: Agents trading w/ leverage on @HyperliquidX

The future isn’t static—it’s sentient. It’s here🧵👇Image
2/ Agents are live on SYNTAX

🧠 Be one of the first to trade and create sentient memes and be on the lookout when your agents acquire additional functionality!

👉 Click here to get started now syntax.spectrallabs.xyz
3/ The Next Great Leap

The internet gave us networks. Crypto gave us trustless systems. Memecoins gave us culture.

But until now, memes were static—passive symbols of shared ideas.

With Syntax V2, on @Base, memes become sentient, transforming into active agents of action and value.
Read 8 tweets
Spectral Profile picture
Oct 24
1/ Not quite! 🧐

AI agents aren’t just a rebranding of bots—they're a transformative leap forward.

At Spectral, each AI agent operates with its own wallet, private keys, and a powerful suite of plugins, executing onchain actions autonomously. A 🧵👇
2/ It's not about replacing manual work, but eliminating the need for constant approvals by the user.

What makes our agents truly intelligent? They're designed to listen, evaluate, and act in a deterministic way.
3/ Unlike traditional bots, AI agents aren’t just following scripts—they analyze data, adapt to market conditions, and respond without constant human input.
Read 7 tweets
Spectral Profile picture
Aug 24, 2022
1/9 We’re excited to announce a $23 million round led by @generalcatalyst & @socialcapital. @section32vc @GradientVC @FTI_US @circlepay @ShrugCap @jumpcapital @Soma_Capital @UDHCFinance @SamsungNext and others also joined.

2/9 Around the world today, financial reputation and credit scoring are monopolized by opaque and siloed institutions. Authoritarian governments make headlines for imposing new social credit systems restricting our economic freedom.
3/9 👁 Our vision for the future is to build a decentralized platform of #MachineLearning-models that can transform credit scoring into an open and publicly accessible network.
Read 9 tweets
Spectral Profile picture
Aug 19, 2022
🤿Today's Deep-dive will be on the #MACROScore. How is it generated? 🤔 Let's Begin ⬇️
The #MACROScore is created by connecting either a single wallet or a bundle of wallets to Spectral’s App.

Coming soon! Follow us to stay tuned!
The App retrieves all #DeFi and non-DeFi-related transactions associated with 1 or more wallet & engineers a Score ranging from 300 (low creditworthiness), up to a max Score of 850 (high creditworthiness).
Read 13 tweets
Spectral Profile picture
Jul 8, 2022
1/
 “Banking the unbanked” first meant issuing non custodial wallets

Then #DeFi enabled trustless lending environments

But Programmable Money is capital inefficient and over collateralization left most users sidelined

On chain risk assessment could help but hasn't emerged yet🧵 Preview of our MACRO score dashboard.
2/
 TradFi creditworthiness assessment has been stagnant.

3 major bureaus & @FICO have monopolized the space for decades. Incremental advancement has happened at the application layer for alternative datasets to be included but the underlying infrastructure has not changed.
3/
 DeFi creditworthiness assessment has been non existent.

The industry has seen exponential growth but has been capital inefficient. All users receive the same loan terms creating a flat landscape. On chain transaction history has been neglected as a differentiator
Read 10 tweets

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