DeFi Credit Score Platforms Compared: ChainAware vs Cred Protocol vs Spectral vs RociFi vs TrueFi vs Maple vs Providence
90%+ of DeFi loans are still overcollateralized — locking trillions in capital that on-chain credit scoring could unlock. This guide compares every major DeFi credit score platform in 2026: ChainAware, Cred Protocol, Spectral Finance, RociFi, TrueFi, Maple Finance, and Providence — covering methodology, chain coverage, and where each fits in the lending stack.