This study addresses the inherent risk management challenges in decentralized finance, particularly for peer-to-peer (P2P) lending platforms.We propose a novel framework that leverages a Multi-Agent System (MAS) to establish a collaborative network encompassing loan originators, investors, regulators, and service providers.This distributed approach facilitates federated risk management, where risk assessment and mitigation responsibilities are shared across these entities.The MAS employs a comprehensive nine-factor assessment (detailed in utvara hellkite price Table 5) to evaluate industry risk profiles, considering industry environment, competition, and internal capabilities.
This data is further visualized using a color matrix (Tables 5 & 6) and 3 gallon flat back bucket utilized alongside state diagrams (Figure 2) to depict the workflow and manage tasks within the P2P lending process.Additionally, the MAS informs a novel Federated Risk-Based Access Control (FRkBAC) system that tailors access permissions (lending origination, disbursement, etc.) based on dynamic risk assessments of industry trends and individual borrower profiles.This data-driven approach fosters trust within the P2P ecosystem and represents a significant advancement in decentralized finance risk management compared to traditional methods.
Doi: 10.28991/ESJ-2024-08-06-05 Full Text: PDF.