Eden

Credit that grows wherever you go, no matter where your roots are.

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Inspiration

Traditional credit systems are fundamentally limited, with three main issues:

Opaque: Scores change without clear explanations. Don’t Cross Borders: Moving to a new country often means losing your entire credit history. Reactive: They flag problems but rarely help you improve.

Noticing these flaws in the traditional system and having immigrant parents who have faced these issues themselves, we were inspired by self-sovereign identity, explainable AI, and gamification to build a user-owned, transparent, and proactive credit system that works globally.

What it does

EDEN is a worldwide credit system with two modes:

Professional Mode (Dashboard): Includes an explainable AI breakdown, credit score simulator, personalized action plans, and cross-border Verifiable Credentials. Explorer Model: Includes a 3D World that has a tree displaying orbs that represent minted NFTs earned by completing quests we also added some features like creating a leaderboard and having themes unlocked by achieving certain ranks to add incentives to the experience.

Core System Components: Plaid integration, Polygon smart contracts for NFT rewards, XRPL for VCs (Verifiable Credentials), Python XAI engine with SHAP, and an oracle bridging Off-chain to On-chain.

How we built it

Frontend: Three.js, JavaScript, HTML/CSS, PWA (Progressive Web App) Backend: Node.js, Python XAI (scikit-learn, SHAP, pandas, numpy), Plaid API. Blockchain: Solidity contracts on Polygon, Hardhat, Oracle scripts, MetaMask XRPL Snap Flow: Plaid → Backend → XAI Analysis → Quest Generation → Polygon NFTs → XRPL VCs

Challenges we ran into

  • The MetaMask XRPL Snap produced frequent autofill and sequencing errors on testnet, so we built a fallback backend API.
  • Our repo grew massive, containing numerous files, making Oracle script configuration and overall backend orchestration unexpectedly complex.

Accomplishments that we're proud of

Our platform already works with actual, real bank accounts and generates personalized quests based on live transactions, transforming the idea of “credit improvement” into an interactive experience.

What we learned

We learnt 80% of the things we built, from minting NFTS to creating an oracle script and integrating XRPL and VC's to our project to make it fully functional and an AI model that can accurately give you quests based on your transactions

What's next for Eden

Looking ahead, we plan to:

  • Build a mobile app with real-time notifications
  • Integrate a broader database of global banking regulators
  • Develop ZKP/ZKML modules for privacy-preserving scoring
  • Conduct comprehensive security audits (short-term + long-term)

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