> For the complete documentation index, see [llms.txt](https://docs.swivel.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.swivel.finance/other-resources/institutions/delegated-credit/challenges-of-delegated-credit/intermediating-trust-in-credit-delegation.md). # Intermediating Trust in Credit Delegation There are several models as to how this intermediation of trust might work: 1. Centralized models akin to typical credit scoring systems, where the scoring agency takes in an actor’s economic behavior and performance vs installment credit and creates a ranking 2. Decentralized models where a range of actors provide reputation scoring for participants based on their interactions with the participant 3. Centralized scoring performed by intelligent algorithms or credit oracles. One way this could work is with a zero knowledge proof operating within an enclave: an actor could present the algorithm with an encrypted file of the necessary information to create a credit score. The algorithm, running within an enclave, would decrypt the file within the protected zone and run the score. Noone except the provider would have access to the unencrypted data, and the ZK algorithm would store and publish only the final scoring, not the data used to prepare it. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.swivel.finance/other-resources/institutions/delegated-credit/challenges-of-delegated-credit/intermediating-trust-in-credit-delegation.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.