Merit (MERIT)

Merit (MERIT) widget

ICO date: TBA
Industry: Crowdfunding & Lending

Merit will provide an individual, personally-controlled profile made up of factors that the users determine are reflective of their true and accurate credit worthiness, or their "Merit”.


The Merit service will create a decentralized system to provide the User’s identity and supporting data to third parties without revealing the User’s detailed personally identifiable information, such as a social security number. User data will be stored and shared through the blockchain and data blocks. The only User data stored in the blockchain will be the addresses to a User’s data store.

Data blocks will be encrypted, segmented, duplicated and distributed, throughout the peer-to-peer networks on individual computers in an IPFS, thereby reducing the risk of data loss, hacking and stealing.

The Merit Score will be a combination of parameters to assess the creditworthiness of a User.

The Merit Score will include the classic credit score and history, as well as, any financial profiles required to assess a more accurate and realistic creditworthiness (e.g., employment history, net worth, bank accounts, other loans, payment history, etc.). As more and more transactions are added to a User’s profile, their Merit Score will improve.

Merit will assign values to the overall data received and transactions completed in a User’s profile.

Merit will generate a score based on the User’s aggregate data. Unlike a classic credit score, data such as a notary verified birth certificate or a state issued and directly uploaded driver’s license, for example, will carry significant weight in developing a User’s Merit Score. Additionally, data such as utility bills, leases, student id’s, etc. can be factored in

Whitepaper: Whitepaper

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