Individuals and their on-chain activity are represented as hexadecimal numbers known as “addresses” and “transaction hashes” respectively. Behind each transaction, an address (or user) is simply trying to achieve some objective, whether that’s swapping, staking, borrowing, voting, or any other arbitrary action facilitated by smart contracts. The challenge lies in understanding the context of such transactions and creating insights to craft meaningful wallet-level attributes that support a business objective. For the purposes of the DeFi Credit Score, the challenge is in understanding what factors demonstrate responsible borrowing behavior. This unlocks the ability to offer better capital efficiency in DeFi, thus creating a strong point of differentiation and driving business success metrics (e.g. loan book size).