Blockchain Settlement Layer

On-Chain Loan Settlement

Once a credit decision is approved, a smart contract disburses the loan from a shared pool — with no central party taking custody. The AI score is a signed oracle input; a human approval signature is a mandatory second input. The score alone never moves money.

GOVERNANCEmulti-sig · disputes · slash · freezeAI score · oracleoff-chain inputHuman approvermust co-signSMART CONTRACTscore ≥ 40 · both signedamount ≤ limitFunds → borroweroutputRouted to governancerejected / disputedRISK POINT — oracle failure / collusiona validly-signed wrong score still passes the rule

Loan request

Healthcare · revenue $4,152,805
Requested: $35,000
Bridge financing ahead of a confirmed hospital contract
1 · AI score (oracle input)awaiting
2 · Human approver (mandatory)required

A registered human must co-sign the same decision. The score alone cannot release funds.

3 · Smart contract rulerule
IF creditScore >= 40
AND operator signed AND human signed
AND amount <= $50,000

Both signatures required before settlement can run.