# Open Credit Discovery (OCD)

Open, operator-independent infrastructure to make loan request UTxOs on Cardano **discoverable, filterable and
verifiable** — without changing any lending protocol. Apache-2.0.

- **Metadata Standard** — `specs/01`, `schemas/loan-request-0.1.schema.json`, on-chain envelope label 7716
- **Verification Framework** — `specs/02`, pluggable schemes (`ed25519-attestation`, `vc-jwt` with `did:key`), policies
- **Discovery Engine** — `specs/03`, `ocd/index.py` + protocol adapters (`cardano-loans-v2`, `generic`)
- **Filtering & Query** — `specs/04`, `ocd/query.py`
- **Capital Provider Profile + matching** — `specs/05`, `schemas/capital-provider-profile-0.1.schema.json`, `ocd/profile.py`
- **Open API** — `specs/06`, `openapi.yaml`, `ocd/api.py`
- **Tooling** — `ocd` CLI (issuer keys, attestations, VCs, documents, envelopes), clients (`clients/js`, `ocd/client.py`), `reference-queries/`
- **Deploy** — `deploy/` (systemd, Docker, compose with a local IPFS node, nginx example)

## Quick start (5 minutes, no wallet)
```bash
pip install -r requirements.txt          # jsonschema, cryptography
python3 -m unittest discover -s tests    # 16 tests
python3 demo/local_demo.py               # indexes 11 sample requests (real preprod datum), runs reference queries, serves API on :8787
curl -s 'http://127.0.0.1:8787/v1/opportunities?verified_type=kyb' | python3 -m json.tool
```

## Run against the chain
```bash
cp deploy/config.example.toml config.toml        # choose Koios base (preprod/mainnet/self-hosted) and adapters
python3 -m ocd --config config.toml sync         # one pass
python3 -m ocd --config config.toml serve        # API + sync loop
```

## Describe a loan request (originator flow)
```bash
python3 -m ocd keygen --out issuer.key                         # issuer side (KYB provider etc.): prints did:key
python3 -m ocd attest --key issuer.key --subject <borrower id> --claims '{"status":"pass"}' --out kyb.json
python3 -m ocd doc-template > doc.json                          # fill borrower/terms, add verification refs (uri+hash)
python3 -m ocd doc-check doc.json
ipfs add --cid-version 1 doc.json                               # or any ipfs/https/ar host
python3 -m ocd envelope --doc doc.json --uri ipfs://<cid> --outputs 0 > metadata.json
# build the protocol's create-request transaction as usual and add: --metadata-json-file metadata.json
```

Docs: `docs/integration-guide.md`, `docs/operating-guide.md`, `docs/security-self-review.md`, `docs/final-report.md`.