What shipped
Live on QIE Mainnet
QIEVault
ERC-4626 yield vault
Deposits, withdrawals, yield accrual
QIEIdentity
Soulbound NFT
On-chain identity passport, non-transferable
QIELending
Lending engine
Loan origination, repayment, health factor
CreditScore
Behavioral scoring
5-component 300–850 score with 7-day aging
QIENeobank
Protocol orchestrator
Coordinates vault, identity, and lending
Live app — wallet connected, zero-state dashboard
The live app is functional but sparse at zero state. The Figma designs below show the full product vision.
The design challenge
Making on-chain credit legible
A behavioral credit score derived from 5 on-chain components with 7-day aging logic is genuinely complex. Users need to understand why their score is what it is, what moves it, and what they qualify for — without reading a whitepaper.
The design job was to make DeFi lending feel as familiar as a bank account, without hiding the on-chain mechanics that make it trustworthy. Three principles anchored every decision: Clarity, Trust, Efficiency.
Accuracy
On-time repayment rate — highest weight
Volume
Total deposits over lifetime
Tenure
Length of account history
Activity
Deposit frequency
Consistency
7-day aging prevents score manipulation
Foundation
Design system
Built a full design system before touching screens — typography scale, color tokens (primary purple, neutral dark, semantic states), spacing scale, and component library. This made the dashboard and lending flows consistent and fast to build.
The full vision
Dashboard & Lending flows
The Figma designs show the complete product: a rich dashboard surfacing balance, borrow power, health factor, credit score, and loan exposure at a glance — then a dedicated lending flow for requesting loans and understanding tier eligibility.
Dashboard — balance, borrow power, health factor, credit score (750/850 Platinum), loan exposure, and recent activity in one view
Lending overview — score at 750, max loan, interest rate, unsecured limit, score breakdown by component
Request loan — amount, optional collateral, real-time terms, and full tier table (Bronze → Platinum)
System logic
Four loan tiers
Bronze
$1,000
25% APR
Score 300–549
Silver
$5,000
18% APR
Score 550–649
Gold
$20,000
12% APR
Score 650–749
Platinum
$50,000
8% APR
Score 750–850
Stack
Deployed to
QIE Mainnet
Chain ID 1990 · 5 contracts verified on-chain