Midnight Network ZK Loan Application

A privacy-preserving loan dApp where applicants prove eligibility inside a ZK circuit without revealing credit score, income, or tenure on-chain. A trusted attestation provider signs credit data off-chain; the contract verifies the Schnorr signature in-circuit and writes only the loan outcome (status + authorized amount) to the ledger.

What this skill produces:

• contract/ — schnorr.compact + zkloan-credit-scorer.compact, witnesses, compile scripts
• zkloan-credit-scorer-attestation-api/ — REST server that Schnorr-signs credit profiles
• zkloan-credit-scorer-cli/ — deploy, register providers, request/respond to loans (headless wallet)
• app/loan/ (optional) — Next.js + 1AM wallet UI (copy patterns from templates/leaderboard-dapp/)
• lib/zkloan.ts — deploy, requestLoan, respondToLoan, admin calls, ledger decode
• lib/midnight.ts — wallet session + patched indexer provider (copy from references/midnight-session.md)
• public/zk/zkloan/ — ZK proving assets synced from contract build

Shared references (canonical provider + troubleshooting — do not duplicate in prompts):

• references/midnight-session.md — createConnectedSession, indexer patch, deploy/call helpers
• references/gotchas.md — preprod deploy hangs, GraphQL offset: null, ZK asset paths
• references/versions.json — pinned @midnight-ntwrk/* versions