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Mihir Kulkarni Spectral Labs
Mihir Kulkarni – CEO of Spectral Labs, Mihir is building an on-chain reputation protocol to power credit scores, identity, and capital-efficient lending. Formerly with a16z Crypto and MakerDAO, he’s focused on fusing AI, DeFi, and data science to make trust programmable. Spectral enables undercollateralized lending and permissionless reputation by transforming wallet activity into credit scores—laying the foundation for decentralized credit markets.