Zolvency Research

Technical articles, protocol updates, and deep dives into zero-knowledge cryptography, RWA tokenization, and the future of under-collateralized DeFi.

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Showing 10 articles

zkTLSPrivacyCryptography

zkTLS: The Cryptographic Bridge Between Web2 and Web3

Understanding Zero-Knowledge Transport Layer Security and how it enables privacy-preserving proofs of government data without server cooperation. Learn how we extract verified NFS-e data while keeping sensitive information hidden.

Dec 1, 2025
8 min read
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zkVMSP1Rust

zkVM: Running Credit Scoring Algorithms with Zero-Knowledge Proofs

Deep dive into Zero-Knowledge Virtual Machines (SP1/RISC Zero) that enable verifiable computation of complex credit models written in Rust, without revealing input financial data or intermediate steps.

Dec 1, 2025
10 min read
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SBTERC-5192Identity

Soulbound Tokens: Non-Transferable Credentials for the On-Chain Economy

Why credit scores shouldn't be tradeable NFTs. Exploring ERC-5192 standard, the economics of reputation markets, and how SBTs prevent identity fraud while enabling verifiable credentials.

Nov 30, 2025
7 min read
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Mina ProtocolSecurityzkApps

Device Binding with Mina Protocol: Preventing SBT Identity Theft

How we use Mina Protocol's zkApps to bind Soulbound Tokens to specific devices via cryptographic fingerprinting, creating an additional security layer that prevents wallet compromise attacks.

Nov 29, 2025
6 min read
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EconomicsDeFiThesis

The DeFi Capital Efficiency Trilemma: Breaking the 150% Barrier

Economic analysis of why DeFi protocols require 150-200% overcollateralization and how zero-knowledge solvency proofs enable 50% collateral ratios without sacrificing security. The $5.2T credit gap solution.

Nov 25, 2025
9 min read
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Case StudyBrazilRWA

Democratizing Credit for Brazilian MEIs: A Case Study

How Zolvency integrates with Brazilian government systems (NFS-e, PGDAS-D, e-CAC) to verify income for 15+ million Micro-Entrepreneurs, reducing lending costs from 45-65% APR to DeFi's 5-12% rates.

Nov 22, 2025
8 min read
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ImplementationTLSNotaryTutorial

Building Zero-Knowledge Proofs with TLSNotary for Government Data

Complete implementation guide for using tlsn-js to generate ZK proofs from nfse.gov.br, including cookie redaction, selective disclosure, HTML parsing, and on-chain verification with gas optimization.

Nov 20, 2025
12 min read
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Smart ContractsSolidityTesting

ERC-5192 Implementation with Dynamic SVG Metadata & Foundry Tests

Technical deep-dive into implementing the Soulbound Token standard with on-chain SVG generation, tier-based gradients (Gold/Silver/Bronze), and achieving 100% test coverage with Foundry.

Nov 18, 2025
10 min read
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PrivacyComplianceHistory

Privacy-Preserving Credit Scoring: From FICO to Zero-Knowledge

Evolution of credit scoring systems from centralized bureaus (Experian, SERASA) to decentralized zero-knowledge proofs. Why privacy isn't just a featureβ€”it's a requirement for LGPD/GDPR compliance.

Nov 15, 2025
7 min read
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CryptographySecurityFormal Methods

Formal Security Analysis: Proving Soundness and Zero-Knowledge Properties

Mathematical proofs that Zolvency's construction satisfies completeness (honest users always succeed), soundness (adversaries can't forge proofs), and zero-knowledge (no data leakage beyond predicates).

Nov 10, 2025
15 min read
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