The problem zk-credit solves

Currently in crypto lending markets, collateral is the most common requirement to be eligible for a loan. In cases where a borrower may be under collateralized human intervention often occurs. This leads to human bias against a borrowers race, region, and other unrelated factors leading to a final decision often not in favour of the borrower.

zk-credit solves this by using a standardized heuristic model which the borrow runs on their own credit history, submitting a zk proof of the result showing their credit worthyness.