What is Veil Credit Scoring?

Veil is a privacy-preserving credit scoring protocol built for Midnight.

At a high level:

Behavior and score details remain in private state (witness-managed).
Public chain state contains commitments and indexes needed for verification.
Approved issuers submit behavior events that influence user score accumulators.
Recomputed scores can be converted into PoT NFTs to prove trust status without revealing raw activity history.

The result is a composable trust layer that protocols can consume while preserving user confidentiality.

Why Veil in Midnight DeFi

Midnight applications need user risk signals but should not require identity leakage or full transaction history disclosure.

Veil addresses that gap:

Lending and yield protocols can condition risk parameters on trust status.
Integrators can verify trust claims via PoT flows rather than building isolated credit engines.
Users can carry reputation between protocols without exposing sensitive details.