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💳 MERITR - Autonomous DeAI Debt Restructuring & Cross-Chain Credit Risk Memory OS

BUIDL CTC 2026 Fall Hackathon Master Blueprint ($15,000 Prize Pool)
Host: Creditcoin & Credit Labs (dorahacks.io/hackathon/buidl-ctc-2026-fall/detail)
Target: 1st Place / Grand Prize ($10,000 Cash + CEIP Investment Fast-Track + CertiK Audit)
Submission Deadline: September 13, 2026 @ 23:59 ET
Primary Track: AI / RWA
Core Tech Stack: Creditcoin EVM Network + Attestcoin Protocol (@gluwa/asc-contracts / Precompile 0x0FD2) + Solidity + Next.js 16 + Python 3.11
License: Apache 2.0 Open Source
Author: Ifeanyichukwu Onwo (mrnetwork)

📌 Executive Summary & Core Value Proposition

Creditcoin has processed over $70M+ in real-world credit loans, yet cross-chain credit history remains fragmented across isolated networks. Existing hackathon entries offer passive, read-only credit scorecards that do nothing to actively protect capital or prevent borrower default.

MERITR is an Autonomous DeAI Debt Restructuring & Cross-Chain Credit Risk Memory OS built natively on Creditcoin.

Meritr uses the Attestcoin Protocol (0x0FD2 precompile) to ingest cryptographically verified user balances and loan status from Ethereum mainnet and Sepolia - the source chains Attestcoin actually registers - without centralized oracle operators. An autonomous AI Risk Agent calculates dynamic credit scores and actively restructures at-risk loans on Creditcoin, adjusting interest rates and extending micro-refinancing before liquidations occur.

🏗️ Technical Architecture & Attestcoin Data Flow

   ┌────────────────────────────────────────────────────────┐
   │     CROSS-CHAIN SOURCE DATA (Ethereum mainnet, Sepolia)   │
   │    (Aave Repayments, Compound Balances, Wallet Age)    │
   └───────────────────────────┬────────────────────────────┘
                               │
                               ▼
   ┌────────────────────────────────────────────────────────┐
   │       ATTESTCOIN PROTOCOL (USC SDK / Precompile 0x0FD2)│
   │  (Cryptographically verifies cross-chain data payload) │
   └───────────────────────────┬────────────────────────────┘
                               │
                               ▼
   ┌────────────────────────────────────────────────────────┐
   │        MERITR DEAI RISK & UNDERWRITING ENGINE           │
   │   (Computes ZK-Credit Memory & Liquidation Risk Score) │
   └───────────────────────────┬────────────────────────────┘
                               │
                               ▼
   ┌────────────────────────────────────────────────────────┐
   │      CREDITCOIN AUTONOMOUS DEBT RESTRUCTURING VAULT    │
   │  (MeritrVault.sol auto-refinances & adjusts interest)   │
   └────────────────────────────────────────────────────────┘

🌟 4 Key Moat Subsystems

1. Attestcoin Cross-Chain Data Ingestion (@gluwa/asc-contracts)

  • Integrates Creditcoin's official 0x0FD2 Attestcoin precompile to verify source-chain repayments on Ethereum Sepolia without oracle risk.

2. Autonomous DeAI Risk Agent (agents/underwriter.py)

  • Processes cryptographically attested data payloads, generating dynamic ZK-Credit scores and monitoring liquidation threat levels.

3. Auto-Refinancing & Restructuring Vault (contracts/MeritrVault.sol)

  • Smart contracts on Creditcoin that automatically execute debt restructuring, extending micro-refinancing when an off-chain asset undergoes stress.

4. Soulbound Cashflow Passport (contracts/MeritrPassport.sol)

  • Issues non-transferable ERC-721 credit passports encoding verified cross-chain credit history on Creditcoin.

📋 Required Submission Package Checklist

  • Public GitHub repository (mrnetwork/Meritr), Apache 2.0.
  • Working Attestcoin Protocol integration - MeritrAttestor inherits ASCBase from @gluwa/asc-contracts and calls the native query verifier precompile 0x…0FD2.
  • Four subsystems implemented and tested (48 contract tests, 39 Python tests).
  • One-command deployment: npx hardhat run scripts/deploy.js --network creditcoinTestnet.
  • Technical documentation & setup guide - README.md, docs/ARCHITECTURE.md.
  • End-to-end demo walkthrough - npx hardhat run scripts/simulate.js.
  • Deployed contract addresses on Creditcoin Testnet (102031) - see deployments/creditcoinTestnet.json and the README.
  • A real Attestcoin proof ingested on the live deployment: an Ethereum mainnet Aave V3 repayment, verified by the 0x…0FD2 precompile with no mock involved.
  • Project Deck / Whitepaper PDF URL.
  • Prototype Demo Video URL.

Correction to an earlier assumption in this spec: there is no attestcoin-sdk package on npm. The real Attestcoin packages are @gluwa/asc-contracts and @gluwa/asc-contracts-abi; readability integrations inherit ASCBase. The precompile address 0x0FD2 was correct.

📄 License

Apache 2.0 Open Source