gitdigital-products/zk-credit-layer...

The ZK Credit Layer Programmable Bank Core is a privacy-preserving decentralized lending protocol that enables users to prove creditworthiness using zero-knowledge proofs without revealing sensitive financial data. It allows under-collateralized loans (up to 120% LTV) for ZK-verified borrowers while maintaining strict security through modular smart contracts and a credit verifier system. This project is designed for DeFi developers and institutions seeking to implement privacy-focused lending infrastructure with programmable banking capabilities.