Not saying we don’t need to use data. Question is - is there a blockchain solution that would allow to lend, controlling risk, similar to how people do it with digital banks nowadays

In status quo - does the bank really have to know your name and ID? I think no, the banks just need the info about you - how much do you spend, how did you repay previous loans etc? I built some fiat lending scoring engines

For the sake of discussion: - can we use transaction information in blockchain to score? - can we use some kind of credit history on blockchain? - is there a way to make sure a single person doesn’t take too many loans using different addresses? Eg use some identify key, that doesn’t disclose personal info, but makes sure this key unique per user