Credora

Overview

Credora, operating as Credora by RedStone since its September 2025 acquisition by the oracle network RedStone, produces credit risk ratings for on chain lending markets on a single A plus to D scale covering tokens, lending pairs and vaults. Its methodology maps to the probability of default curves used in traditional structured credit analysis, runs one hundred thousand Monte Carlo simulations per market, and is stated as calibrated on more than thirty years of credit data. The firm publishes each rating framework openly while stating plainly that the underlying algorithm remains proprietary. Ratings are distributed through RedStone's oracle infrastructure alongside price feeds, so a protocol can query price and risk in a single call, with named integrations at the lending markets Morpho and SparkLend and public application programming interface endpoints. Its privacy preserving architecture, documented publicly, runs the real time data unit and key management inside Intel Software Guard Extensions enclaves using the open source Gramine runtime, chosen so that its security can be independently verified, alongside zero knowledge proofs in the credit scoring pipeline. Founded in 2019 as X-Margin by Darshan Vaidya and Matt Ficke, it raised 14 million dollars from backers including Coinbase Ventures, S&P Global and HashKey before the acquisition, and relaunched public ratings in November 2025.

Details

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