q-fin.RM · 2026-08-18 · No. 88

Risk Management, 2026-08-18.

1 new papers in q-fin.RM. Titles, authors, abstracts. Links to arXiv. Want this in your inbox every morning? Subscribe →

01 — The papers

1 entries
  1. 01

    zLend: A Dual-Scope Cash-Flow Reconstruction Framework for On-Chain Credit Underwriting

    Girish G N, Ashutosh Sahoo, Akshay SP, Gurukiran S, Dhanashekar Kandaswamy

    q-fin.RM · cs.LG

    Decentralized lending lacks a credit bureau: a borrower's capacity to repay must be inferred entirely from public on-chain activity, without income verification or a liability record. This paper presents zLend, a deployed cash-flow underwriting framework that reconstructs a wallet's daily balance history from raw token transfers and derives short-duration repayment-capacity signals from it. The reconstruction is performed twice per wallet,...

    arxiv.org/abs/2608.16856 · PDF

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