🦝 RISK: Credit Score & Insurance Calculator

https://risk.markets

This is an app for Manifold Markets that calculates a user's credit score based on their account information and activity. It provides fast analysis via a clean interface powered by Deno and Fresh. It can also estimate loan insurance fees. It also generates credit history charts.

✨ Features

• Credit Score Calculation – Instantly fetch and analyze any Manifold user's trading activity to produce a score.
• Loan Insurance Estimator – Simulate and calculate how much insurance would cost to cover a loan to a specific user.
• Built with Fresh and Deno, using the Manifold API.
• Mobile-first responsive layout.
• Credit History - Creates a nice graph with chart.js to view credit history.

🧰 Tech Stack

• Deno – Secure runtime for JavaScript and TypeScript.
• Deno KV - Deno's key value database.
• Fresh – A web framework for Deno using Preact and islands architecture.
  • Preact – Fast 3kB alternative to React with the same modern API.
  • Tailwind CSS – Utility-first CSS framework for rapid UI development.
• Manifold API – To fetch user account and market data for analysis.

🚀 Getting Started

1. If you haven't already, install Deno:

   macOS

   brew install deno

   Windows (PowerShell)

   irm https://deno.land/install.ps1 | iex

   Linux (via Shell)

   curl -fsSL https://deno.land/install.sh | sh

2. Clone the repo and start the server

   git clone https://github.com/crowlsyong/rcr

   cd rcr

   deno task start

3. Optional: Add Github OAuth

• Register OAuth app in github here: https://github.com/settings/applications/new
  • Homepage URL In our case, we use https://risk.markets for the Homepage URL
  • Authorization callback URL and we use https://risk.markets/auth/oauth2callback (you can use http://localhost:somenumber/auth/oauth2callback)
  • Do not enable Device Flow
  • Register application

📦 Deployment

This project can be deployed to Deno Deploy with minimal configuration.

1. Push code to a GitHub repo.
2. Create a new Deno Deploy project and link it to your repo at https://dash.deno.com
3. Click settings tab and add environment variables
4. Set the entry point to main.ts.
5. (optional) Add auth environment variables in the Deno Dashboard at https://dash.deno.com/projects/YOUR_PROJECT_NAME/settings

🧠 How the Credit Score Works

The score is derived from weighted factors including balance, total profit, account age, managram history, and activity level. While this is not a financial score in the traditional sense, it helps visualize the relative risk of lending mana to a user.

You can review the scoring algorithm in /routes/api/score.ts.

🛡️ Insurance Calculator

The insurance calculator uses the credit score as a baseline and adds a risk premium. Higher risk scores lead to lower insurance costs. This is experimental and subject to change. More info on fees: https://manifold.markets/news/risk

🤝 Contributing

Contributions are welcome. Please open an issue if you have suggestions, or a PR if you'd like to fix or add a feature. Messaging me on Discord or Manifold is okay too.

📜 License

MIT License

Additional Info

The is a 3rd party app.