A privacy-first lending circles smart contract for the Midnight blockchain, featuring zero-knowledge proofs, anonymous trust scoring, and cross-chain identity management.

• Private Circle Creation: Create lending circles with ZK member verification
• Anonymous Trust Scoring: 0-1000 scale trust system with privacy preservation
• Confidential Bidding: Zero-knowledge bidding system for lending rounds
• Private Payment Collection: Automated monthly payments with privacy preservation
• Stake-based Insurance: Private penalty enforcement and insurance claims

• Cross-chain Identity Management: Link identities across multiple blockchains
• Democratic Governance: Anonymous voting on interest rates and parameters
• Trust Score Calculation: Multi-factor scoring with ZK proofs
• Insurance Pool Management: Automated stake management and penalty distribution

• Anonymous Asset Transfers: Unlinkable transfers between Midnight, Ethereum, Polygon, Arbitrum
• Private Payment Routing: Multi-hop routing through intermediary chains for enhanced privacy
• Confidential Balance Proofs: Prove sufficient balance without revealing exact amounts
• Anonymous Transaction Mixing: Break linkability through mixing pools with 10+ participants
• ZK Bridging Protocols: Zero-knowledge proofs for all cross-chain operations

The core contract managing all lending circle operations with privacy preservation.

• ZKProofVerifier: Handles zero-knowledge proof verification
• PrivacyUtils: Privacy-preserving cryptographic operations
• TrustScoreCalculator: Anonymous trust scoring system
• CrossChainManager: Cross-chain identity and reputation management

• PrivacyBridge: Main bridge contract for anonymous cross-chain transfers
• AnonymityPoolManager: Manages mixing pools for different denominations
• TransactionMixer: Batches and shuffles transactions for anonymity
• CrossChainRouter: Finds optimal privacy-preserving routes between chains

• Uses ZK-SNARKs for membership verification
• Pedersen commitments for bid hiding
• Merkle trees for private membership proofs
• Nullifiers to prevent double-spending/voting

git clone https://github.com/kunal-drall/moonight.git
cd moonight
npm install

npm run build

npm run deploy

npm test

npm run demo:privacy-bridge

npm test

import { createMoonightProtocol, generateMemberIdentity, DEFAULT_CIRCLE_PARAMS } from './src';

// Initialize protocol
const protocol = createMoonightProtocol();

// Generate identity
const creator = await generateMemberIdentity('your-secret-key');

// Create membership proof
const proof = await createMembershipProof(creator.secretKey);

// Create circle
const circleId = await protocol.createCircle(
  creator.identityCommitment,
  DEFAULT_CIRCLE_PARAMS,
  proof
);

const member = await generateMemberIdentity('member-secret-key');
const memberProof = await createMembershipProof(member.secretKey);

await protocol.joinCircle({
  circleId,
  membershipProof: memberProof,
  stakeAmount: BigInt('100000000000000000'), // 0.1 token
  identityCommitment: member.identityCommitment
});

• Membership Proofs: Prove circle membership without revealing identity
• Payment Proofs: Prove payment made without revealing amount details
• Bid Proofs: Submit bids while keeping amounts confidential
• Trust Score Proofs: Update scores with verifiable calculations

const voteCommitment = await generateVoteCommitment(vote, voterSecret);
const nullifier = await generateNullifier(voterSecret);
const membershipProof = await generateAnonymousProof(voterSecret);

await protocol.castVote(
  voterHash,
  proposalId,
  voteCommitment,
  nullifier,
  membershipProof
);

• Ethereum
• Polygon
• Avalanche
• Cardano
• Solana
• Midnight (native)

The Moonight Protocol implements a sophisticated Zero-Knowledge trust scoring system that evaluates creditworthiness while preserving privacy.

• Payment Reliability (40%): Payment timeliness, consistency, and reliability patterns
• Circle Completion History (30%): Successfully completing lending circles, helping other members
• DeFi Experience (20%): Cross-chain DeFi activity, protocol usage, portfolio management
• Social Verification (10%): Identity verification, community endorsements, social connections

• Newcomer (0-199): Entry level with basic participation rights
  • Stake: 0.05 tokens | Benefits: Basic circle participation
• Apprentice (200-399): Growing trust with medium circle access
  • Stake: 0.1 tokens | Benefits: Medium circles, basic features
• Builder (400-599): Can create small circles and priority selection
  • Stake: 0.25 tokens | Benefits: Create small circles, priority access
• Guardian (600-799): Full circle access with guarantor capabilities
  • Stake: 0.5 tokens | Benefits: Medium circles, guarantor role, governance
• Sage (800-899): Advanced features and large circle creation
  • Stake: 1 token | Benefits: Large circles, advanced features, proposals
• Lunar (900-1000): Premium tier with cross-chain benefits
  • Stake: 2 tokens | Benefits: All features, reduced fees, premium access

• Zero-Knowledge Proofs: Score calculations proven without revealing transaction details
• Encrypted Witness Data: Private scoring factors protected by encryption
• Commitment Schemes: Cryptographic commitments for score verification
• Nullifier Prevention: Prevents proof replay attacks and double-spending

The system generates verifiable ZK proofs that demonstrate:

• Score was calculated using the correct algorithm
• All components were properly weighted (40%+30%+20%+10%=100%)
• Member meets tier requirements without revealing exact values
• No transaction details or sensitive data exposed

Run the test suite:

npm test

Deploy and test locally:

npm run deploy

This project is licensed under the MIT License - see the LICENSE file for details.