The social graph for credit
Sublime is on a mission to democratize access to credit, allowing loan originations without the need for centralized credit scoring systems. By relying on users' web of trusts and emergent social network properties, we plan to enable the propagation of credit between users even if they aren't connected directly.
Relying on trust networks offers some extra perks too - it is more resistant to Sybil attacks, and allows us to skirt around machine learning-based systems that are often fraught with bias and low recall.
Join us on our quest to reinvent credit!