Nico.cast🐱
@n
Working on a ML model which will output an 'address score' similar to how credit scores work (~low is 300-500, mid 500-650, high 650+) some interesting data: me: 529.52 @shoni.eth: 567.79 @cassie: 685.06 @jc: 698.19 @dwr.eth: 663.29 @dcposch.eth: 752.81
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🌹 zach harris 🥀
@zachharris.eth
Would it also have the same bias that systematically under-represents minority groups like FICO?
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Nico.cast🐱
@n
I hear you, I have worked in fintech most of my life and agree FICO score can be very biased The score depends on the sum of weights and normalization of dozens of on-chain criteria. My thoughts on eliminating biases: we need a decentralized scoring system where different identities can report their own member score.
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Nico.cast🐱
@n
For example: your base score is 700, as predicted by the ML model Farcaster can report your address score to be 750, if you are an active caster and engaged member And then Opensea, Lens, and other parties can report different scores The final score can be computed by any aggregators. Better system than Equifax +2.
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🌹 zach harris 🥀
@zachharris.eth
Why not vantage score over fico in the first place? Credit limit is usually tied to income levels. Is your limit tied to social capital or liquidity?
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