Hey Zama community 
I just submitted TrustScore to the Season 2 Builder Track and wanted to share it here for feedback.
What is TrustScore?
TrustScore is a confidential financial reputation protocol built on Zama FHEVM. It solves a real problem: 1.4 billion people across Africa and emerging markets have no formal credit history and are locked out of credit — not because they are bad borrowers, but because sharing raw financial data creates surveillance and privacy risks.
TrustScore uses Fully Homomorphic Encryption to let anyone build a verifiable financial profile on-chain, privately and trustlessly.
Two modules
Module A — Salary benchmarking
Workers submit encrypted salaries to a benchmark pool. The smart contract computes market averages across all submissions without anyone ever seeing individual numbers.
Module B — Credit scoring
Borrowers submit encrypted income, savings, and repayment history. Lenders verify creditworthiness without ever seeing raw data.
How the privacy works
- Data is encrypted in the browser using the Zama Relayer SDK before it touches the blockchain
- The smart contract stores only euint64 ciphertext — nobody can read the raw values
- The borrower grants a specific lender wallet address access via grantAccess()
- The lender signs an EIP712 message, the Zama relayer decrypts and returns only the authorized fields
Links
- Live dApp: https://trustscore-pi.vercel.app
- Lender dashboard: TrustScore — Confidential Financial Reputation on FHE
- GitHub: GitHub - Investorquab/trustscore · GitHub
- Contract (verified): https://sepolia.etherscan.io/address/0xda7C743A57b2478b801Ab12cDB1f0245b7817Fb9#code
Tech stack
- Solidity + FHEVM library (euint64, FHE.add, FHE.fromExternal, ACL)
- Hardhat for development and testing (6 tests passing)
- Next.js frontend with Zama Relayer SDK
- Deployed on Ethereum Sepolia testnet
Would love any feedback from the community and the Zama team. Happy to answer questions about the implementation.