About This Architecture

AI Blockchain Loan Approval System integrates machine learning risk assessment with blockchain-based identity verification and immutable decision logging. End users submit loan applications through a Flask backend API Gateway, which routes requests to a Random Forest prediction engine, fraud detection module, and blockchain DID verification against Aadhaar and PAN hashes. Risk scores flow through FOIR analysis and credit risk assessment guardrails before immutable loan decisions are recorded on a hash chain, with all user data and DID wallets persisted in SQLite. This architecture demonstrates how to combine explainable AI for regulatory transparency with blockchain for auditability and decentralized identity, solving the fintech challenge of fair lending while maintaining tamper-proof compliance records. Fork this diagram on Diagrams.so to customize the AI model, add additional verification layers, or integrate live CIBIL bureau APIs. The modular design separates concerns across presentation, application, ML, blockchain, and data layers, enabling independent scaling of prediction workloads and identity verification.

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How do you design a loan approval system that combines machine learning risk scoring with blockchain identity verification and immutable audit trails?

This diagram shows a fintech architecture where Flask backend routes loan applications to a Random Forest prediction engine and fraud detection module, while blockchain DID verification validates Aadhaar and PAN hashes. Risk scores flow through FOIR analysis and credit risk assessment guardrails, with all decisions recorded immutably on a hash chain and stored in SQLite, ensuring both AI transpare