Teller provides an open-source decentralized credit-risk protocol that can calculate a consumer’s creditworthiness by leveraging existing personal banking information. Decentralized finance applications (e.g., peer-to-peer lending platforms) can use Teller’s protocol to compute the credit risk of its users and automatically calculate loan terms, enabling the creation of new decentralized finance products (e.g., under-collateralized peer-to-peer loans). Teller is building a peer-to-peer decentralized lending platform on top of its credit-risk algorithm to enable under-collateralized crypto loans.