Bird.Money

Bird.Money is combining bleeding-edge technologies to deliver new DeFi products to all members of our flock.

Our mission is to harness the power of data to create a financial ecosystem tailored to you. We're using our off-chain oracle analytics to provide protocols with trust data that's available on-chain.

Previous migratory flights through DeFi are stored in the history of your Ethereum address, but for many borrowers, much of their financial lives also exists off-chain. Bird.Money’s Analytics Engine and Decentralized Oracle accesses this on- and off-chain information in order to provide lending platforms with more information about the loan applicant in order to reduce the risk of defaulting. It’s flagship product, the Blockchain Individualized Risk of Default Score or BIRD Score, is a machine-learning derived prediction product that captures the unique credit risk characteristics of a given wallet address.

The higher a user’s BIRD Score, the less collateral required to borrow, which maximizes access to capital for the most trusted DeFi Users.

Some examples of factors that can affect on-chain loan access and increase the risk of defaulting may include:

• Individual Wallet Data, such as asset balances and transaction history
• Wallet Network Analysis, such as prior lending performance and smart contract interactions
• Digital Off-Chain Data, such as browsing history and social media
• Other Off-Chain Data, such as employment status and bank balances