🎯 Milestone 1 -> already working on it
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1. Smart wallet creation using Candide's SDK.
2. Gamified Trust Score onboarding. Here is where the person looking for a credit will fill out verifiable credentials (following the Gitcoin Passport scheme). Each credential is verified by Ai and algorithms such as with Reclaim Protocol, and Holonym, and in some cases they can be verified too by a trusted agent on the ground (such as to verify home and business addresses).

🎯 Milestone 2 -> unlocked if we get $5K to $15K
1. Trust weight of each stamp (verifiable credential). The weight will defined collectively by a focus group of financial workers, lenders, and borrowers, and peer reviewed by web3 and reputation practitioners, such as those within The Trusted Seed.
2. deCredit Score as a smart escrow. The smart wallet will hold four main functions enabled by smart contracts:
i. Collateral delegation. Allow the borrower or a third party to lend collateral (fork of Aave's credit delegation) and earn from backing up the credit line, or if the borrower is the one providing collateral then decrease the interest rate.
ii. Collateral vault. ReStake the collateral in proven low risk DeFi strategies so that the collateral makes money while being passively protecting the loan.
iii. Automate conditions. Trustlessly automate penalizations, rewards, and profit distribution.
iv. Credit score update. Attestations will be automatically issued from payment behavior, and these will trigger an increase or decrease to the person's trust levels, and therefore to their interest rate within its Decentralized Credit Score.
3. Gamified interest rate. Based on the trust score and the collateral in place, a smart contract will update the interest rate and offer tips, opportunities, and benefits.

🎯 Milestone 3 -> unlocked if we get over $20K
1. Pilot test!. We have agreed with a financial institution in México to test this solution with 100 clients.
2. Documented insights. Open knowledge is key to enable others to audit, replicate, and improve what we are doing, while also support us to keep a constant improvement mindset.