Relying on an innovative model of multiple lending pools created by users, TRAVA is the world's first decentralized lending marketplace. TRAVA performs blockchain data analysis to optimize pool parameters, calculate credit score, and thus increases profit and decreases risks for all users.

Features

Crypto lending marketplace

While other lending platforms have a single lending pool with rigid rules defined by themselves, TRAVA creates a marketplace in which users can create and manage their own lending pools to start a lending business.

Data analysis

TRAVA recommends the optimal parameters for pool owners to create and maintain their own pools (e.g., borrowing/lending interest rate, Loan to Value ratio, liquidation threshold, a minimum credit score of borrowers).

Credit score evaluation

Based on the knowledge graph, TRAVA evaluates credit scores for users. Pool owners can define minimum credit scores for pool members to reduce the lending risks, and offer high Loan to Value ratios for people with high credit scores to stimulate borrowing

Cross-chain indentification and cross-chain lending

TRAVA uses the cross-chain indentification protocol to identify all wallet addresses of the same user on multiple blockchain networks. After that, users can use up all of their assets as collateral for a huge loan in a single transaction.

NFT, stock tokens, and other digital assets as collaterals

TRAVA allows users to use special assets such as NFT or stock tokens as collaterals. Before that, these assets must be priced through auctions. The auction winners are involved in the lending contract to either earn profit or buy the assets at a low price.

Semantic Knowledge graph

To facilitate query and inference on cross-chain data, TRAVA uses a semantic knowledge graph, which is the distributed ledger that holds the data from multiple blockchain networks in the form of entities and their interconnections.