Spectral Finance is a web3 startup that creates a programmable creditworthiness ecosystem using credit risk analysis. They developed the Multi-Asset Credit Risk Oracle (MACRO) Score, an on-chain equivalent to the traditional FICO score, which enables users to check their credit scores through their platform. Spectral Finance aims to improve credit risk assessment by leveraging on-chain data and introducing the concept of Non-Fungible Credit (NFC), which allows users to bundle wallets and sync their transactional history into a single composable asset.