Identity
Public, financial and self-issued DIDs plus issuer-signed badges. An ID document and proof of residence are all it takes to open Level 1.
Hybrid Alternative Credit Scoring
Identity becomes credit. Credit becomes finance. Finance becomes growth.
HACS proves identity, income and assets as badges. An engine validated on 4,538,938 public credit records turns them into a score and a credit limit, and a zero-knowledge proof delivers the result to lenders without revealing the score.
The cycle
Four stages, one cycle
A proven identity opens a first loan, and on-time repayment turns into more credit. HACS connects every link of this cycle in a single engine.
Credit
A points table of 6 axes and 31 factors, together with a statistical scorecard, produces a 0–850 score and reason codes.
Finance
The level unlocks products; the score sets the terms. Lenders see only that the threshold is met, via a zero-knowledge proof.
Growth
Repayment without arrears grows the credit limit up to 2x, and that record becomes the proof for the next stage.
Brand film · 60s
HACS in 60 seconds
Measured, not claimed
Proven in numbers
4,538,938
Validated on 17 public credit datasets with default and delinquency outcomes
0.806
Headline AUC (FICO HELOC) · 4 datasets at 0.70 or above
3,000
Decisions recorded on a hash chain · 30/30 reproduced exactly
660
Zero-knowledge verifications on mainnet · 0 unexpected results
Measured 2026-09-25 to 09-27 · See the methods and full tables in Research →
Badge → Level → Limit
More proof, a higher limit
Collect identity, income and asset badges one by one, and your level goes up. Anyone can see at a glance what they have today and what to do next.
Identity
ID document + proof of residence
identity_verified + residence_attested
ID +30Residence +15
Income
+ Employment and income verification (4 major social insurance schemes or employer confirmation)
employment_verified
Employment +45Bank cash flow +50
Assets
+ Asset verification
asset_attested
Assets +40Repaid loan +60~85
×1.0
Limit multiplier · Base limit on reaching a level
×1.5
Limit multiplier · 1 loan repaid in full with no arrears
×2.0
Limit multiplier · 2 loans repaid in full with no arrears + score of 550 (FAIR) or higher
Hybrid engine
Expert rules and statistics, combined
A 6-axis expert points table and a WOE/IV · monotonic logistic statistical scorecard are blended in logit space. The statistical weight follows the share of observed data, up to 70%. When data is thin, the engine falls back safely to the rules.
WOE binningIV feature selectionMonotonic logistic regressionStatistics weight up to 70%More caution where data is uncertainNew model replaces old only after a head-to-head test
0.70+
4 public datasets with AUC of 0.70 or above, measured on data not used for training
31
Reason codes — every score explains “why”
40%
Missing data scores a neutral 40%, not 0
500+
Training samples · promotion only after passing Gini, KS and ECE gates
Zero-knowledge
The score never
leaves the phone.
The applicant’s phone generates a zero-knowledge proof that shows only “credit tier ≥ threshold”. The lender learns only whether the threshold is met; the score and the secret values never leave the device. The same proof can also be checked directly against a contract on Xphere mainnet.
549
Groth16 · BN254 circuit constraints
≈2 s
Proof generation on the phone
120
Valid proofs verified · all 5 forgeries rejected
580
ZK proofs verified in the mainnet campaign
Built for ASEAN
Optimized for the markets that need alternative credit scoring most
Credit limits are converted by each country’s income level (World Bank 2024: Laos ×0.0544 · Vietnam ×0.1222 · Thailand ×0.1940). Limits per level are set in local currency; the web is available in 6 languages and the app in 10.
| Level | Vietnam (VND) | Laos (LAK) |
|---|---|---|
| Level 1 · Identity | 10,000,000 | 8,100,000 |
| Level 2 · Income | 50,000,000 | 40,500,000 |
| Level 3 · Assets | 150,000,000 | 135,000,000 |
한국어EnglishไทยTiếng ViệtລາວКыргызча
Everyone has a reason
Borrowers, lenders and issuers move together
Higher limits, lower rates
We show how much each proof will raise the score. The proofs they collect also work for rentals, job applications and business checks. Borrowers pay no fees.
Underwrite applicants with no history
Issuer-signed proofs are layered on top of telecom, utility and open-banking data for cross-verification. Underwriting costs fall, and a recovery path opens up.
The issuing you already do, now digital
Universities and employers issue graduation and employment credentials as Open Badges 3.0. Adding a partner is a registration, not a code change.
Developers
Integrate with a single call
Consent-based score queries, zero-knowledge tier proof verification, batch queries and webhooks. SDKs for TypeScript, Java, Python and PHP.
# Consent-gated soft-pull score (deny-by-default) curl -X POST https://trendy.storydot.kr/superapp/api/fi/score/query \ -H "X-Client-Id: $CLIENT_ID" -H "X-API-Key: $API_KEY" \ -H "Content-Type: application/json" \ -d '{"pairwiseSub":"pairwise-subject-id","purpose":"LOAN_UNDERWRITING"}' # → { score, tier, reasonCodes[…] } · every query is audit-logged