TrustLend: Using Borrower Trustworthiness for Lending on Ethereum

Wisnu Uriawan, Youakim Badr, Omar Hasan, Lionel Brunie

Research output: Chapter in Book/Report/Conference proceedingConference contribution

1 Scopus citations


The practice of personal lending, also known as Peer-to-Peer (P2P) lending, has been increasing globally. However, providing unsecured loans to peers without requiring collateral remains a challenge. We present a platform called TrustLend, which enables using borrower trustworthiness as an alternative to collateral in personal lending transactions. TrustLend is a blockchain-based platform implemented on Ethereum. We introduce a borrower trustworthiness score with variable selection rules to help lenders decide on reliable candidates as borrowers. We describe the prototype implementation, which is a Decentralized Application (DApp) that uses smart contracts. The prototype demonstrates fundamental features and supports borrowers, recommenders, and lenders/investors in establishing loans and approvals. Finally, the prototype shows how end-users can easily access loans with minimum collateral without hidden costs and swift transactions.

Original languageEnglish (US)
Title of host publicationSECRYPT 2022 - Proceedings of the 19th International Conference on Security and Cryptography
EditorsSabrina De Capitani di Vimercati, Pierangela Samarati
PublisherScience and Technology Publications, Lda
Number of pages6
ISBN (Print)9789897585906
StatePublished - 2022
Event19th International Conference on Security and Cryptography, SECRYPT 2022 - Lisbon, Portugal
Duration: Jul 11 2022Jul 13 2022

Publication series

NameProceedings of the International Conference on Security and Cryptography
ISSN (Print)2184-7711


Conference19th International Conference on Security and Cryptography, SECRYPT 2022

All Science Journal Classification (ASJC) codes

  • Computer Networks and Communications
  • Information Systems
  • Software

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