Audience Guides
This section outlines how individuals transition from being passive subjects of a credit bureau to the sovereign owners of an enhanced credit profile, unlocking superior capital terms and privacy-first financial mobility.
Role & Goal
The Role: You are the sovereign actor. You own your data, you choose which institutions can see your risk-alpha, and you control the TRIS ID (your enhanced credit profile) that tracks your reliability across the global economy.
The Goal: To achieve maximum capital efficiency. By maintaining a high-fidelity credit profile, you reduce the "risk gap," allowing you to borrow with lower collateral (LTV) and access premium interest rates, products, and services.
Primitives for Individuals
TRIS ID (did:cheqd): Your universal, decentralized passport. It links your legal status (KYC/AML) to your digital footprint without storing private data on-chain.
TCT (Tokenized Creditworthiness): A soulbound on-chain token. It represents the creditworthiness you have successfully claimed and minted onto the blockchain.
sCEW (Smart Credit Enhancement Wrapper): A Tythe-native logic gateway. It "wraps" your financial interactions (loans, insurance, banking) to apply your TCT balance and TRIS status, unlocking superior capital terms like higher LTVs, lower interest rates and premiums.
Trovebook Receipts: A personal, encrypted ledger of your historical credit events. These serve as "proofs" of reliability that you selectively disclose to inquirers.
The Logic: The Credit Lifecycle
The individual’s journey follows a deterministic loop that transforms real-time behavior into bankable value.
Tip: Onchain Sovereignty & Gas Strategy
Tythe does not possess the unilateral authority to update your on-chain TCT. Users are the sovereign owners of their TCT and are responsible for the gas fees associated with state updates. We recommend "Refreshing" your on-chain TCT only when you need to demonstrate creditworthiness to an inquirer, before opening a new credit line, or when adjusting insurance premiums.
Activation: The prerequisite step. You establish a TRIS ID on the
did:cheqdnetwork by passing a zk-KYC verification and linking a primary wallet address. This anchors your legal and Web3 identity to the blockchain in a privacy-preserving, permanent manner.Scoring: Tythe initializes your profile by pulling telemetry from the public on-chain data of your primary wallet. This generates your first "staged score" (your untokenized creditworthiness) linked to your TRIS ID, which exists in a "staged" (ready-to-attest) state. We recommend holding off on tokenizing your creditworthiness until you have aggregated more data.
Aggregation: You can boost your credit profile by linking additional EVM wallets, adding verified entries to your Trovebook, providing "Proof of Humanity," and zkTLS-powered income & employment checks. Tythe continuously monitors these sources to update your "staged score" off-chain. As the protocol scales, new credit profile enhancement modules will continue to expand your aggregation options.
Attestation: Unlike legacy systems, Tythe does not generate a signed attestation (EIP-712) every time your score moves. Instead, the signature is generated at the moment of request. * Exception: Tythe will proactively push a notification if your "staged score" (your creditworthiness) is slashed or increases significantly: "Your creditworthiness has increased! Click to Refresh.", recommending a refresh to unlock higher capital efficiency.
Refresh: When you click "Refresh," Tythe's backend calculates the current delta, signs a human-readable EIP-712 attestation, and passes it to your wallet. You then submit this signature to the blockchain to tokenize your off-chain creditworthiness (your "staged score") into your on-chain tokenized creditworthiness (TCT) balance.
Utility: Once synced, your TCT balance immediately ensures you receive the maximum LTV and the lowest possible risk-premium for your credit profile on any integrated market.
Alerts: Aggregation & Integrity
1. Aggregagtion: Your TCT follows your TRIS ID, but protocols only see your wallet addresses.
If you maintain separate wallets for different DeFi activities (e.g., Wallet A for Aave, Wallet B for Morpho), you must link both to your TRIS ID.
The Consequence: If you interact with Morpho using Wallet B, but only Wallet A is linked to your TRIS ID, Morpho will perceive you as an anonymous "credit invisible" user. You will be denied SCEW benefits and lower risk-premiums despite your actual reliability.
The Fix: Use the Tythe Dashboard to aggregate all active addresses. Linking a wallet is a one-time, privacy-preserving tethering transaction that ensures your TCT is queryable across every platform you use. Don't leave any creditworthiness untokenized—however, tokenizing at the correct time is key to saving gas.
2. Integrity: TCT is a dynamic risk signal. While positive behavior builds your creditworthiness, negative events (defaults, non-compliance, protocol exploits, or verified fraud) trigger an automatic on-chain slash issued directly by Tythe.
Consequence: A slash results in the immediate burning of TCT, which may trigger automated margin calls or Credit Enhancement reductions on active sCEWs.
Recovery: Slashed TCT can only be restored through the Credit Dispute Settlement process or by maintaining a new streak of "model actor" behavior as defined by the TEC Standard.
Solutions & Use Cases
The Tythe ecosystem turns your financial history and compliance assurance into a competitive advantage. By leveraging the TEC Standard, you move from a system that penalizes, extracts, and excludes, to one that's built to unlock value for your demonstrated reliability.
sCEW Wrappers: The flagship utility of the Tythe protocol designed for maximum capital efficiency. Standard DeFi lending requires high over-collateralization (e.g., depositing $1,500 to borrow $1,000) because the protocol has zero assessment of your reliability. Tythe allows you to use your TCT to "wrap" your loan. The sCEW Wrapper detects your high credit score and bridges the "risk gap" using liquidity from Synclear's underwriting vault. The result? You borrow the same $1,000 with only $1,100 of your own collateral. You keep more of your assets liquid and productive.
Risk-Adjusted Yield & Lower Rates: Anonymous lending pools charge everyone the same risk-premium because they must assume every user is a potential defaulter. With Tythe, integrated high-credit markets (like TCT-gated Morpho Vaults) offer lower interest rates exclusively to users with a minimum TCT threshold. To put it simply, your history of reliable behavior on Centrifuge or Aave can directly lower your cost of capital on Morpho or Compound. You pay less to borrow because you’ve proven you are low-risk.
The Global Financial Passport: Traditional credit scores are "siloed" by geography. Moving from the UK to the US often means starting your credit history from zero, regardless of your past wealth or reliability. Your TRIS ID and TCT balance on the other hand, are borderless. Because they are anchored to the
did:cheqdnetwork and verified by decentralized scoring policies, they are universally readable by any protocol or institution globally. This means your reputation travels with you. Whether you are accessing a private credit fund in Singapore or a lending market on Base, your creditworthiness remains intact and actionable.Zero-Knowledge Compliance: Legacy institutions often require you to hand over sensitive PDFs, bank statements, and ID copies just to prove you are "reliable." Tythe uses ZK-Proofs that allow you to prove your creditworthiness without revealing the underlying data. You can show a lender a "Proof of 750+ TCT" or "KYC/AML verified" without them seeing your specific wallet transactions or legal documents. You get institutional-grade financial access without the risk of your private data being leaked in a centralized database breach.
Credit Data Licensing (The Roadmap: sCDL): In the current system, credit bureaus sell your data to marketers and banks, and you receive nada—net $0. At Tythe, through sovereign credit data licensing, you can choose to anonymize and license your risk-alpha to institutional researchers, model-builders, and AI engineers, allowing you turn your data sovereignty into a passive revenue stream. You are paid for the value and liquidity your financial credibility brings to the market.
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