TRAVA leverages a novel framework of multiple lending pools that are created by users, making it the first decentralized lending marketplace in the world. By analyzing blockchain data, TRAVA helps tune pool settings, assess credit scores, and aims to both raise profitability and reduce risk for all participants.

Features

Crypto lending marketplace

Unlike lending services that rely on a single pool governed by fixed rules set by the platform, TRAVA lets users build and run their own lending pools, enabling them to operate a lending business.

Data analysis

TRAVA suggests the most suitable parameters for pool creators and operators to maintain their pools, such as borrowing/lending interest rates, Loan to Value ratio, liquidation threshold, and a required minimum credit score for borrowers.

Credit score evaluation

Using a knowledge graph, TRAVA evaluates users’ credit scores. Pool operators can set a minimum credit score for pool members to lower lending risk, while allowing borrowers with stronger credit scores to access higher Loan to Value ratios to encourage borrowing.

Cross-chain indentification and cross-chain lending

TRAVA employs the cross-chain indentification protocol to recognize wallet addresses belonging to the same user across different blockchain networks. Users can then use their assets as collateral and obtain a large loan through a single transaction.

NFT, stock tokens, and other digital assets as collaterals

TRAVA enables users to post special assets such as NFT or stock tokens as collateral. Prior to use, these assets must be priced via auctions; the auction winners participate in the lending contract to either earn returns or acquire the assets at a lower price.

Semantic Knowledge graph

For querying and reasoning over cross-chain information, TRAVA uses a semantic knowledge graph-a distributed ledger that stores cross-network data as entities and their relationships.