The bank/risk control team often lacks effective and compliant 'transaction behavior signals': everyone is reluctant to share original transaction data, but a desensitized and verifiable model signal can be lifesaving. @OpenLedger A very practical approach can be established: the aggregated signals generated locally by financial institutions (such as abnormal payment patterns, industry cash flow rhythms) can be verified and recorded on-chain using zero-knowledge proofs or verifiable summaries as credentials. When buyers use these signals for risk control or credit scoring, smart contracts automatically pay the signal providers based on subscription or performance, and the original data never leaves the database, ensuring both privacy and compliance.
Simply put, the benefits are easy to understand:
Protecting privacy: The original transactions remain local to the bank, only verified 'signal summaries' are placed on the blockchain, regulators can verify the proof but cannot see the details;
Compliance and traceability: There is a blockchain certificate for every record of signal usage and purchase, meeting audit and compliance requirements;
Pay for performance: If the signal helps reduce bad debts or improve hit rates, the contract can be split based on pre-set KPIs, allowing the seller to receive actual returns;
Incentivizing high-quality signals: Banks are willing to contribute high-quality signals in the long term, forming a sustainable inter-company data ecosystem;
Reducing data friction: Small and medium financial institutions can also sell valuable models to larger platforms, creating new sources of income.
Want to turn financial insights into compliant and profitable assets? Pay attention to @OpenLedger to see how to tie privacy protection and value circulation together.#OpenLedger $OPEN
