South Korean blockchain company AI0x, operator of Fancycoin (FANC), is exploring a new approach to credit scoring that leverages the influence of content creators and their fan communities. Speaking at the Future Finance Forum 2026 in Seoul, CEO Park Sung-hoon outlined plans to build an on-chain credit infrastructure using verified activity data from platforms like YouTube and short video app Celebe.
Tackling inefficiencies in the Creator Economy
Park highlighted a significant gap in the global creator marketing market, which is valued at about 45 trillion won ($33.3 billion). He noted that about 15% of this value is lost through inefficiencies, including fake followers and fraudulent engagement metrics. Traditional credit scoring systems, which rely on banking transactions and employment history, fail to capture the economic influence of digital creators who may not have a conventional financial footprint but appeal to a substantial audience.
From Fandom data to financial infrastructure
AI0x is investigating a system that would bring activity data from Celebe onto the blockchain. This data would then be issued as FANC Soulbound Tokens (SBTs) – non-transferable digital credentials that represent a user’s real-world influence and contributions to the community. According to Park, the goal is to create a transparent, verifiable overview of creator activity and fandom engagement that can be used as a credit metric. The system would link this data to a special influence token, essentially creating a new asset class for lenders and financial platforms to rate.
Implications for the DeFi and credit industry
If successful, this initiative could bridge the gap between the creator economy and decentralized finance (DeFi). Traditional lenders often have difficulty assessing the creditworthiness of individuals whose primary income comes from digital platforms. By providing an immutable, on-chain record of engagement and reach, AI0x’s system could enable new forms of uncollateralized lending, microcredit, and revenue-based financing for creators. However, the proposal also raises questions about data privacy, the volatility of influencers’ reputations, and the potential to game the system through coordinated engagement.
Conclusion
AI0x’s proposal represents an important step toward integrating real-world economic activities with blockchain-based financial systems. Although the concept of using on-chain influencer data for credit scoring is still in the research phase, it addresses a real market need. The success of the project will depend on the integrity of the verification data, acceptance by credit platforms and regulatory clarity in South Korea and beyond.
Frequently asked questions
Question 1: What is a Soulbound Token (SBT)?
A Soulbound Token is a non-transferable blockchain token that represents a person’s identity, credentials, or achievements. Unlike regular NFTs, SBTs cannot be bought, sold, or transferred, making them suitable for verifiable reputation and credit data.
Question 2: How can AI0x prevent fake followers from inflating credit scores?
AI0x plans to use on-chain verification data from platforms like Celebe to capture real engagement. By tracking activities such as content creation, fan interactions, and community contributions, the system attempts to distinguish authentic influence from bot-driven metrics.
Question 3: What is Fancycoin (FANC)?
Fancycoin is a cryptocurrency issued by AI0x that powers its ecosystem. It is used for transactions, staking and now potentially as part of the proposed on-chain credit infrastructure linked to influencer tokens.