Collateral & Credit

CollateralVault

Who it's for: Asset holders — property owners, investors, or businesses holding tokenised real-world assets — who want to unlock liquidity without selling what they own. Why it matters: Tokenised assets act as collateral directly on-chain, so holders can borrow cGHS against the value of a property or bond without going through a bank or selling the asset.

Borrow cGHS by locking RWA tokens as collateral. The diamond freezes the RWA tokens in-place (no transfer needed) and pays out from reserves.

`POST /collateral/open`

Request

{
  "userAddressId": "wallet-uuid",
  "userAddress": "0xabc...",
  "rwaToken": "0xrwa...",
  "collateralAmount": "1000000000000000000",
  "borrowToken": "0x3126627A607E730E3eCF9BbfFD67fa18Deaab846",
  "borrowAmount": "200000000"
}

Pre-flight checks by the service:

CreditScoring.maxLtvBps(user) > 0 — user must not be UNRATED
CollateralVault.reserveOf(borrowToken) >= borrowAmount — reserve must cover

No token approval needed — the diamond freezes the RWA tokens as agent.

`POST /collateral/:positionId/repay`

Partial repayment on an open position.

{ "userAddressId": "...", "userAddress": "0x...", "amount": "50000000" }

Transaction batch: [approve(lendingDiamond, amount), repay(positionId, amount)]

`POST /collateral/:positionId/close`

Repay full outstanding debt and unfreeze RWA collateral.

{ "userAddressId": "...", "userAddress": "0x..." }

`POST /collateral/:positionId/liquidate`

Liquidate a position where healthFactor < 1.0. Callable by anyone (keeper or any liquidator).

{ "liquidatorAddressId": "...", "liquidatorAddress": "0x..." }

Read Endpoints

GET /collateral/:positionId         — position + healthFactor + totalDue
GET /collateral/:positionId/health  — { healthFactor, liquidatable }
GET /collateral/borrower/:address   — all positions

Credit Scoring

Who it's for: Any user who has borrowed, repaid, or saved on Shika — their on-chain history is automatically converted into a score that improves their borrowing terms over time. Why it matters: Creditworthiness is built from real financial behaviour rather than a bank statement, giving people with no formal credit history a fair path to better rates.

Credit scores are FICO-style composites (350–850) computed from on-chain behaviour. They're read-only from the service — scores are updated by the valuation-service TEE or the keeper wallet.

`GET /credit/:address`

{
  "subScores": {
    "repaymentHistory": 82,
    "utilizationRate": 74,
    "accountAge": 60,
    "incomeVerification": 90
  },
  "compositeScore": 765,
  "tier": "PLATINUM",
  "lastUpdated": 1710854400,
  "zkTlsVerified": true,
  "provablyVerified": true
}

`GET /credit/:address/score`

{ "compositeScore": 765, "tier": "PLATINUM" }

`GET /credit/:address/ltv`

{ "maxLtvBps": 7500, "maxLtvPercent": "75.0%" }

`GET /credit/:address/verified`

{ "verified": true }