Implement advanced credit scoring with on-chain history

[ISTIFANUS-N]

Description:
Develop a sophisticated credit scoring system that analyzes on-chain behavior, course completion patterns, and contribution history to determine user creditworthiness.

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This issue has been added to the Stellar Wave Program and is worth 200 Points.

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[ikemHood]

@ikemHood has applied to work on this issue as part of the Stellar Wave Program's 1st wave.

Hi, I'd like to take this up.

I have experience with on-chain data analysis and building reputation systems. I can build a scoring module that normalizes data from the blockchain, the learning platform, and contribution logs to generate a composite user score.

I estimate 1-2 days to get the core logic working. Please assign this to me.

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Congratulations, @ikemHood! 🎉 Your application was accepted by the repo's maintainers, and the issue is due on January 31, 2026.

🧑‍💻 @ikemHood: Please resolve the issue such that the repo's maintainers have enough time to review your contribution before the due date. You'll earn Points for completing the issue on-time, which will make you eligible for a share of the Stellar Wave Program's reward pool.

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This issue has been completed by @ikemHood as part of the Stellar Wave Program's 1st Wave 🥳

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@ikemHood received 4 compliments:

• Good Communicator: +50 points
• Fast & Easy: +50 points
• High-Quality Code: +50 points
• Problem Solver: +50 points