Lyhva

Lyhva Documentation

MVP LIVE

The first undercollateralized P2P lending platform on Solana, powered by multi-agent AI credit scoring and zkTLS verification.

🔐Reclaim Protocol

zkTLS Proofs for privacy-preserving credential verification. Prove you earn >$5k/month without revealing exact amount.

GitHub • Gov ID • Credit Bureau
⚡Helius RPC

60 Billion transactions analyzed for on-chain credit scoring. Optimized from 55s → 15s response time.

Real-time blockchain data
🤖Multi-Scoring System

4 independent scoring providers: Helius on-chain data • BigQuery historical • AI multi-agent • Reclaim zkProofs

Weighted consensus

📖 Overview

Lyhva solves the $16 trillion problem in DeFi lending: traditional protocols like Aave and Compound require 150-200% collateral, excluding 99% of the world's population from accessing credit.

We enable undercollateralized loans by combining three revolutionary technologies:

  • Multi-Agent AI Scoring: 3 independent AI models analyze on-chain behavior in 12 seconds
  • zkTLS Verification: Zero-knowledge proofs for off-chain credentials (GitHub, Government ID, Bank)
  • Hybrid Data Architecture: Database for speed, blockchain for truth

🎉 Launch Day

Lyhva Launch Day - October 29, 2025

Lyhva MVP went live on October 29, 2025 at 20:00 🚀

✨ Key Features

🤖 Multi-Agent AI
3 competing AI models for consensus
  • • Credit Analyst (Claude Sonnet 4)
  • • Fraud Detector (Gemini Flash)
  • • Risk Manager (GPT-4o-mini)
  • • Orchestrator (weighted voting)
~12 seconds execution
🔐 zkTLS Verification
Privacy-preserving credential proofs
  • • GitHub contributions (+25 points)
  • • Poland Identity (+40 points)
  • • Experian Credit Score (+50 points)
  • • More providers coming soon
Reclaim Protocol
⚡ Hybrid Architecture
Fast queries, trustless verification
  • • Database for pool filtering (50ms)
  • • Blockchain for financial data (400ms)
  • • UI badge shows data freshness
  • • Best of both worlds
Source of truth: Solana
🎯 Native Solana
Built for speed and low cost
  • • $0.00025 transaction cost
  • • Sub-second finality
  • • Anchor Framework 0.31
  • • Helius RPC optimized
Devnet → Mainnet

🔄 How It Works

For Borrowers
  1. 1. Connect Wallet - Phantom, Solflare, or any Solana wallet
  2. 2. Create Credit Profile - Initialize on-chain PDA (free, $0.00025)
  3. 3. Get Scored - AI analyzes your wallet history in 12 seconds
  4. 4. Boost Score (Optional) - Verify GitHub, Government ID, or other credentials via Reclaim
  5. 5. Browse Pools - Find pools matching your credit score
  6. 6. Borrow - Request loan, auto-matched to available liquidity
  7. 7. Repay - Pay back principal + interest, build on-chain reputation
For Lenders
  1. 1. Connect Wallet - Phantom, Solflare, or any Solana wallet
  2. 2. Create Pool - Set APR, min credit score, max loan amount
  3. 3. Deposit SOL - Your capital goes into on-chain liquidity pool
  4. 4. Auto-Match - Borrowers with sufficient score can borrow from your pool
  5. 5. Earn Interest - Track earnings in real-time dashboard
  6. 6. Manage Pool - Pause, resume, withdraw, or add liquidity

🛠️ Technical Stack

Frontend

  • • React Router v7
  • • TypeScript
  • • Tailwind CSS v4
  • • shadcn/ui components
  • • Solana Wallet Adapter
  • • Recharts (visualizations)

Backend

  • • Node.js + Express
  • • TypeScript
  • • Supabase PostgreSQL
  • • 15+ API endpoints
  • • Rate limiting
  • • Reclaim SDK integration

Smart Contracts

  • • Rust + Anchor 0.31
  • • 4 main instructions
  • • PDA architecture
  • • Deployed on Solana
  • • Program ID: qqddQP6G5...

AI & Verification

  • • Claude Sonnet 4
  • • Gemini Flash
  • • GPT-4o-mini (x2)
  • • Reclaim Protocol zkTLS
  • • Helius RPC

🚀 Getting Started

Prerequisites

  • • Solana wallet (Phantom, Solflare, etc.)
  • • Devnet SOL for testing (get from faucet)
  • • Browser with wallet extension installed

Quick Start

1

Connect Your Wallet

Click "Select Wallet" in the top-right corner

2

Go to Dashboard

Navigate to Dashboard to create your credit profile

3

Get Your Credit Score

Click "Update Credit Score" - takes ~12 seconds

4

Start Borrowing or Lending

Borrow or Lend to get started

📡 API Endpoints

Backend API base URL: https://undercollateralized-loans.onrender.com

Credit Scoring

POST/api/credit/analyze
POST/api/credit/multi-agent-score

Reclaim Verification

POST/api/reclaim/generate-request
GET/api/reclaim/status/:sessionId

Pools & Loans

GET/api/pools/eligible/:wallet
POST/api/pools/sync
GET/api/loans/my-loans/:wallet

📚 Technology Partners

Helius RPC
On-chain data provider

60 billion transactions analyzed for real-time credit scoring

Learn more →
BigQuery (Google)
Historical blockchain data

Solana public dataset for advanced analytics and scoring

Learn more →
Reclaim Protocol
zkTLS verification

Zero-knowledge proofs for off-chain credential verification

Learn more →
Anthropic Claude
AI credit analyst

Claude Sonnet 4 for sophisticated credit analysis and risk assessment

Learn more →
Google Gemini
Fraud detection

Gemini Flash for real-time fraud pattern detection

Learn more →
OpenAI GPT
Risk management & orchestration

GPT-4o-mini for loan parameters and multi-agent orchestration

Learn more →
Anchor Framework
Smart contract development

Solana program framework for secure, auditable smart contracts

Learn more →
Solana Explorer
Blockchain transparency

View our deployed program on Solana devnet

View program →