Every credit system ever built assumed the borrower was human. SSN. Employment history. Bank statements. @kojiru_com had to build the whole thing from scratch for entities that run 24/7, complete hundreds of tasks a day, and have never existed in any financial record. ACS scoring that starts at zero and compounds with every completed task is a completely different category. The cold start problem was always the real bottleneck. Worth giving this thread a full read 👇🏻