Bloom is a fin-tech product. It can be used by organizations and financial service providers to evaluate the credit worthiness of an entity. It is powered by Ethereum (a smart contract platform) and IPFS (a decentralized storage solution). It also features risk assessment tools. It can be used by both traditional lenders and by users who lend cryptocurrency. BloomID is used to establish a global identity. The Bloom score tied to a Bloom ID says how likely that person will pay back a debt. BLT can be used to access credit scores and to vote on protocol issues.