# 7.4 Distributed Underwriting and Data Aggregation The role of risk assumption within the Resource protocol falls on network participants that assume the underwriter role. The Underwriting Application is a simple dApp that aggregates on/off chain data to derive a protocol-native credit score. In partnership with Teller Finance, we developed an underwriting algorithm responsible for deriving a network specific credit score. The Underwriting dApp acts as a viewing window into the protocol where the underwriter can stake SOURCE, view financial data of businesses associated with each marketplace/network, create liquidity pools for specific aspects of a marketplace, track their Underwriter portfolio, delegate SOURCE to other underwriters, assume delegated SOURCE, and harvest rewards. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://resource-network.gitbook.io/resource-technical/07-technology/7.4-distributed-underwriting-and-data-aggregation.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.