ARCx is a decentralized scoring protocol that powers on-chain identity and credit-score based borrowing (launching Q2 2022). After claiming a Passport, users are incentivised to improve their on-chain reputation through maximising their Scores across multiple βgamesβ so they can be rewarded with various benefits. The Credit Score is one such game, and the reward is a new-to-market borrowing product where the c-ratio and credit limits are determined by your specific score.