While other lending platforms have a single lending pool with rigid rules defined by themselves, TRAVA creates a marketplace in which users can create and manage their own lending pools to start a lending business.
TRAVA recommends the optimal parameters for pool owners to create and maintain their own pools (e.g., borrowing/lending interest rate, Loan to Value ratio, liquidation threshold, a minimum credit score of borrowers).
Based on the knowledge graph, TRAVA evaluates credit scores for users. Pool owners can (i) define minimum credit scores for pool members to reduce the lending risks, and (ii) offer high Loan to Value ratios for people with high credit scores to stimulate borrowing
TRAVA uses the cross-chain identification protocol to identify all wallet addresses of the same user on multiple blockchain networks. After that, users can use up all of their assets as collateral for a huge loan in a single transaction.
TRAVA allows users to use special assets such as NFT or stock tokens as collaterals. Before that, these assets must be priced through auctions. The auction winners are involved in the lending contract to either earn profit or buy the assets at a low price.
To facilitate query and inference on cross-chain data, TRAVA uses a semantic knowledge graph, which is the distributed ledger that holds the data from multiple blockchain networks in the form of entities and their interconnections.
Dr. Minh is one of founders of V-Chain: a blockchain-based platform that enables developers to create their decentralized applications in an-easy-way. He received Ph.D. degree in Applied Informatics from Slovak Technical University, Slovakia in 2013. He is also a co-author of many top-tier scientific articles related to optimization algorithms for cloud computing and blockchain.
Thang Nguyen received his master degree in Data Science from Hanoi University of Science and Technology. He has participated in many Fintech projects and especially co-authored many studies in the field of data science. His main interests contain artificial intelligence, distributed systems, microservices systems, and especially blockchain technology.
Dr. Dat is a faculty member of the School of Information and Communication Technology, Hanoi University of Science and Technology (HUST). He got his B.S. and M.S. degrees from HUST in 2009 and 2011, respectively. In June 2016, he received his Ph.D. degree from the Institute of Software Technology and Interactive Systems (ISIS), Vienna University of Technology, Austria. His research interests include Web standards and technologies, Semantic Web, Linked Data, Digital Transformation, and Blockchain
Quan Dinh received his master degree in Data Science from Hanoi University of Science and Technology. He has developed a number of cross-platform products in Cloud Computing, IoT and Blockchain.
Duc Tran received his Ph.D. degree in Computer Science from University of Nice - Sophia Antipolis in 2011. His main domain of expertise is Cryptography and Security.
Lam Do received his Ph.D. degree in Computer Science from Vienna University of Technology, Austria, in 2017. His main interests include blockchain, semantic web, and data integration. He is a co-founder of V-Chain and Datochain.
Quyen Pham received her B.A degree in English for Science and Technology from Hanoi University of Science and Technology. She has participated in Foreign Affairs Department as External Projects Manager and in many IT cooperation projects with domestic and foreign enterprises as Communication Specialist.
Anh Hoang received her B.A degree in International Economics from Foreign Trade University. She has participated in U.S Embassy model East Asia Summit about economics and Irish Embassy organization about sustainable economics growth.
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