Using Reclaim protocol to attestate local business data from google maps, such as the one coming from the customers flow chart, the reviews and photos provide clear information to assess that a business is real and has cashflow.

Gitcoin passport UI to visualize the stamps that a person has and the trust score the person has gathered allows to play with it to define interest rates.

Finally, on the ground agents for KYC validating and customer onboarding are key to spread the adoption of the tool and guarantee that payback is possible.

The user will have a smart wallet which will facilitate the safety of her wallet while providing a great set of opportunities for automating the management of the person's credit line.