I'm Xin Rou aka raykon 👋

This Final Year Project proposes an onchain credit scoring system to improve accessibility in DeFi lending. By analyzing blockchain-native user activity such as repayment history and protocol usage, the system generates transparent credit scores that are tokenized using ERC-1155. These tokenized scores enable undercollateralized lending by optimizing collateral requirements based on user trust, improving capital efficiency, financial inclusion, and interoperability across DeFi platforms.

• ✓Creditworthiness derived from users’ blockchain activity
• ✓ERC-1155 tokens representing trust and reputation.
• ✓Reduced collateral needs for more inclusive DeFi

Contributed development relations initiatives and community engagement for APU Blockchain Club.

• ✓Assisted in organizing events and technical workshops.
• ✓Managed workshop topics and engaged participants.
• ✓Delivered hands-on learning experiences for students.
• ✓Built connections within the blockchain community.

Developed OpenPay, a fintech payment solution during PayHack by PayNet.

• ✓Contributed to frontend development and UI/UX design.
• ✓Developed business logic for payment solution.
• ✓Achieved Top 17 finalist placement.
• ✓Secured RM1,000 prize pool.

Built brand presence and increased student engagement in crypto and Web3.

• ✓Created engaging content across social media platforms.
• ✓Promoted internship and career opportunities to students.
• ✓Increased awareness about crypto and Web3 trends.
• ✓Facilitated community engagement through workshops and events.

Built ENSpin, an ENS infrastructure tool that monitors ContenthashChanged events and automatically pins ENS-linked IPFS content.

• ✓Won Best ENS Infrastructure Prize - $2,500 USDC from ENS Labs.
• ✓Ensured persistence and accessibility on the decentralized web.
• ✓Addressed critical gap in Web3 content reliability.

Built an AI-powered liquidity management platform at ETHGlobal Agentic hackathon.

• ✓Implemented AI agents for automated liquidity optimization.
• ✓Integrated with Web3 protocols and smart contracts.
• ✓Successfully deployed at ethglobal-agentic.vercel.app

Created a decentralized crowdfunding platform to connect donors with those in need.

• ✓Won Pool Prize of Blockscout & Chronicle.
• ✓Developed smart contracts for transparent fund distribution.
• ✓Implemented Web3 wallet integration.
• ✓Built user-friendly interface for donors and recipients.

Hosted and taught a comprehensive workshop on building portfolio websites for students.

• ✓Taught modern web development best practices.
• ✓Guided students through portfolio creation process.
• ✓Workshop materials hosted at portfolio-hackthletes.vercel.app

Contributed to the development of admin panel and blockchain integration projects.

• ✓Built intuitive admin panel using PHP (Laravel), MySQL, and Vue.js.
• ✓Monitored user information, managed permissions, and visualized data.
• ✓Integrated smart contracts with frontend using Next.js.
• ✓Developed decentralized credit scoring system.

Built a healthcare accessibility platform to democratize healthcare services.

• ✓Created patient-doctor matching system.
• ✓Implemented appointment scheduling features.
• ✓Focused on improving healthcare accessibility.

Created a decentralized marketplace on the Solana blockchain.

• ✓Built on Solana for high-speed, low-cost transactions.
• ✓Built a prototype marketplace for decentralized applications.
• ✓Got invited as one of the Superteam Member.

Conceptualized and designed creative materials while facilitating community events.

• ✓Designed creative posters for events and activities.
• ✓Facilitated events and provided participant assistance.
• ✓Contributed to community-hosted activities.

Currently pursuing Bachelor of Computer Science with CGPA: 3.53. Specializing in software development, blockchain technology, and web development.

• ✓Maintained CGPA of 3.53 throughout the program.
• ✓Active member of APU Blockchain Club and APU Hackthletes.
• ✓Participated in multiple international hackathons and competitions.

Developed Taskaru, a platform that integrates hackathons, freelancing, and earning opportunities. Secured 1st Prize and awarded $1,500 USD as part of a team of 5 members.

• ✓Designed secure platform for discovering Dapps.
• ✓Provided safe avenue for companies to showcase applications.
• ✓Aimed to lower entry barriers for developers.
• ✓Fostered decentralized freelancing ecosystem.

Completed Foundation in Arts with CGPA: 3.37, building a strong academic foundation before pursuing computer science.

• ✓Achieved CGPA of 3.37.
• ✓Developed strong analytical and problem-solving skills.

Provided customer service support and administrative assistance.

• ✓Handled customer inquiries and resolved issues efficiently.
• ✓Ensured smooth user experience through effective communication.
• ✓Demonstrated organizational skills and Excel proficiency.
• ✓Monitored inventory levels and fulfilled orders accurately.