# 融资超3000w美金的链上 web3 信用评分项目Spectral 、正式开启公测、快来创建属于自己的信誉 MACRO 分数 By [andongni](https://paragraph.com/@andongni) · 2022-08-26 --- Spectral 是做什么的？ --------------- Spectral Finance 通过引入基于用户链上活动和行为的信用风险基础设施，提出了向 DeFi 借贷生态系统的范式转变 选择信用赛道的的原因 ---------- 金融声誉和信用评分被不透明和孤立的机构垄断、信用极易被少数人控制、信用体系极其脆弱 Spectral 对 DeFi 借贷的愿景是通过民主化和去中心化的信用风险评估在 DeFi 参与者之间建立信任，从而形成一个**更具资本效率的信用环境**，其中信用风险评估可在整个以太坊生态系统中组合。 核心指标 ---- [Spectral——](https://www.spectral.finance/)一种可编程信用协议——已经构建了一个定制的 Chainlink 预言机解决方案，以支持其多资产信用风险预言机，或简称为 **MACRO 评分。** \*\*多资产信用风险预言机（MACRO）分数是链上信用度的三位数字表示，由基于机器学习的信用风险模型计算得出，能够近乎即时地处理钱包的完整交易历史（ s) 提供。\*\*可以将其视为链上信用风险评估分数，类似于传统的信用评分，只是由链上交易生成并在用户的控制之下。 未来愿景 ---- 建立一个[#MachineLearning](https://twitter.com/hashtag/MachineLearning?src=hashtag_click)模型的去中心化平台，该模型可以将信用评分转变为一个开放且可公开访问的网络。 去中心化的信用评分将使 web3 用户有机会参与替代且可能“更公平”的风险基础设施 融资信息 ---- **8月宣布获得 2300 万美元的融资**，投资方包括 [@generalcatalyst](https://twitter.com/generalcatalyst) & [@socialcapital](https://twitter.com/socialcapital). [@section32vc](https://twitter.com/section32vc) [@GradientVC](https://twitter.com/GradientVC) [@FTI\_US](https://twitter.com/FTI_US) [@circlepay](https://twitter.com/circlepay) [@ShrugCap](https://twitter.com/ShrugCap) [@jumpcapital](https://twitter.com/jumpcapital) [@Soma\_Capital](https://twitter.com/Soma_Capital) [@UDHCFinance](https://twitter.com/UDHCFinance) [@SamsungNext](https://twitter.com/SamsungNext)、阵容豪华、实力雄厚 迄今为止，该公司已筹集了约 3000 万美元。 测试步骤 ---- 1、打开网址 [https://app.spectral.finance/](https://app.spectral.finance/) 2、链接钱包 ![](https://storage.googleapis.com/papyrus_images/a44799e7274402812379b918b73e65be745ff3e88396b47cdd75921d29350274.png) 3、链上数据分析 ![](https://storage.googleapis.com/papyrus_images/18506336376988c78f329dfb52d16f5dc1bfe7df69d7a7f3bcb9dcd381b9948f.png) 4、切换arb测试网络 ![NFC 铸造仅在 Arbitrum 测试网上可用。请加入我们的 Discord并与我们联系，我们的一名团队成员将很乐意为您提供一些测试网 ETH。](https://storage.googleapis.com/papyrus_images/cd29ecc105aebee65e0d16052186f6e7d6fb2411e0cd3b03321cfd497262382b.png) NFC 铸造仅在 Arbitrum 测试网上可用。请加入我们的 Discord并与我们联系，我们的一名团队成员将很乐意为您提供一些测试网 ETH。 [ Discord - Group Chat That's All Fun & Games ------------------------------------------- Discord is great for playing games and chilling with friends, or even building a worldwide community. Customize your own space to talk, play, and hang out. https://discord.com ![](https://storage.googleapis.com/papyrus_images/fd5daf4cc4569214cd87e650d89285a0aac548020f1d6734eaffa8b0add2160e.png) ](https://discord.gg/bUm5PdkC) 当然你可以通过下面链接、授权twitter、获取测试代币 **twitter账号有头像、注册超过一个月** [ Paradigm MultiFaucet | Bootstrap your testnet wallet ---------------------------------------------------- MultiFaucet funds a wallet with ETH, wETH, DAI, and NFTs across 8 testnet networks, at once. https://faucet.paradigm.xyz ![](https://storage.googleapis.com/papyrus_images/49312391389e588da0dc54a8b26161ed9f93e4e0bf6615a378f87d2feb2ae061.png) ](https://faucet.paradigm.xyz/) 5、创建个人账号 ![](https://storage.googleapis.com/papyrus_images/dabf72807e989fc02484fc15bf2a9e861ea825cc1924b6ca13549ea18a77e018.png) 6、创建NFC ![](https://storage.googleapis.com/papyrus_images/1113bd2bce2b731fa36c1542055e5aea085d867016ee5b5cf8d75328beb6c386.png) 7、创建完成后的个人账号页面 ![](https://storage.googleapis.com/papyrus_images/023e36802c487bb6a262bcd70756e3ba952b75265d44123b051a68641ace0164.png) 8、主页看板、信息很丰富、目前可以借贷项目未推出、等待后续 ![](https://storage.googleapis.com/papyrus_images/95cda1098805e233c812c9e36d08402c6dd5d173460a81642ffb9865e846d88c.png) 9、分数排行、可以很直观的看到自己分数与排名 ![](https://storage.googleapis.com/papyrus_images/725ce54c7e9b164d606556f73dda41b6b5ea34245a2b258b3fd98e8111e0d29b.png) 10、填表反馈 [ Spectral App - Feedback Form ---------------------------- Turn data collection into an experience with Typeform. Create beautiful online forms, surveys, quizzes, and so much more. Try it for FREE. https://typeform.com ![](https://storage.googleapis.com/papyrus_images/448388aee6997944270a8238398c0569d50e4dfb2757473a34ce6e955a9f3916.png) ](https://research.typeform.com/to/dk5M00Kc) **Spectral去中心化的信用评分将使 web3 用户有机会参与替代且可能“更公平”的风险基础设施、不仅是对个人、针对以后的defi、gamefi等项目总体来说更有意义、促进行业的健康可持续发展** 官方twitter 官方dis [ Discord - Group Chat That's All Fun & Games ------------------------------------------- Discord is great for playing games and chilling with friends, or even building a worldwide community. Customize your own space to talk, play, and hang out. https://discord.com ![](https://storage.googleapis.com/papyrus_images/fd5daf4cc4569214cd87e650d89285a0aac548020f1d6734eaffa8b0add2160e.png) ](https://discord.gg/bUm5PdkC) 融资信息来源 [ Spectral raises $23M to help create web3 credit scores ------------------------------------------------------ The long-term vision for Spectral, a credit risk assessment infrastructure web3 startup, is to make credit scoring a publicly accessible network. https://techcrunch.com ![](https://storage.googleapis.com/papyrus_images/2336182e488f9e49a81ca12bc6989fbcf6f2c31cae24bfe1292ec96da55042fe.webp) ](https://techcrunch.com/2022/08/24/spectral-raises-23m-to-help-create-web3-credit-scores/?tpcc=tcplustwitter) 如果你对我的教程感兴趣 请关注我的twitter --- *Originally published on [andongni](https://paragraph.com/@andongni/3000w-web3-spectral-macro)*