Collateral-Free Trustworthiness-based Personal Lending on a Decentralized Application (DApp)

Wisnu Uriawan; Omar Hasan; Youakim Badr; Lionel Brunie

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Paper

Collateral-Free Trustworthiness-based Personal Lending on a Decentralized Application (DApp)

Topics: Blockchains Security

In Proceedings of the 18th International Conference on Security and Cryptography SECRYPT - Volume 1, 839-844, 2021

Authors: Wisnu Uriawan ¹ ; Omar Hasan ¹ ; Youakim Badr ² and Lionel Brunie ¹

Affiliations: ¹ Institut National des Sciences Appliquées de Lyon, 20 Avenue Albert Einstein, Villeurbanne CEDEX, France ; ² The Pennsylvania State University, Malvern, PA, U.S.A.

Keyword(s): Lending, Collateral, Trustworthiness, Recommendation, Blockchain, DApp, Ethereum.

Abstract: Most loans given by banks are secured loans and require the borrower to provide collateral as a guarantee for returning the loan principal and interest. With a secured loan, the lender can take over an asset provided as col-lateral if the customer cannot make the loan payments. In this paper, we propose a peer-to-peer personal lending platform that minimizes the requirement of collateral. The trustworthiness of borrowers is considered as an indicator of whether the borrowers will pay the installments on time. Borrowers’ reliability is viewed as a function of their reputation and relationships. The lending platform is designed as a Blockchain Decentralized Application (DApp).

CC BY-NC-ND 4.0

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Paper citation in several formats:

Uriawan, W., Hasan, O., Badr, Y. and Brunie, L. (2021). Collateral-Free Trustworthiness-based Personal Lending on a Decentralized Application (DApp). In Proceedings of the 18th International Conference on Security and Cryptography - SECRYPT; ISBN 978-989-758-524-1; ISSN 2184-7711, SciTePress, pages 839-844. DOI: 10.5220/0010605108390844

@conference{secrypt21,
author={Wisnu Uriawan and Omar Hasan and Youakim Badr and Lionel Brunie},
title={Collateral-Free Trustworthiness-based Personal Lending on a Decentralized Application (DApp)},
booktitle={Proceedings of the 18th International Conference on Security and Cryptography - SECRYPT},
year={2021},
pages={839-844},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0010605108390844},
isbn={978-989-758-524-1},
issn={2184-7711},
}

TY - CONF

JO - Proceedings of the 18th International Conference on Security and Cryptography - SECRYPT
TI - Collateral-Free Trustworthiness-based Personal Lending on a Decentralized Application (DApp)
SN - 978-989-758-524-1
IS - 2184-7711
AU - Uriawan, W.
AU - Hasan, O.
AU - Badr, Y.
AU - Brunie, L.
PY - 2021
SP - 839
EP - 844
DO - 10.5220/0010605108390844
PB - SciTePress