The credit file behind the score.

One call returns what a wallet holds, what it owes and against what, and how it has borrowed and repaid on Aave, Compound and Morpho, across ten chains. The numbers an underwriter reads, in the form your system stores.

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GET /api/v2/report/address/0x7a3f…c91e200 · sample, abridged

{
  "summary": {
    "total_asset_usd": 48210.4,
    "total_collateral_usd": 39800.0,
    "total_debt_usd": 12400.0,
    "count_repayments": 31,
    "count_liquidations": 1
  },
  "credit_events": {
    "coverage": "complete",
    "pools": [{ "protocol": "aave_v3", "chain_id": 1,
      "feeds_score": true, "counts": { "repay": 24, … } },
      { "protocol": "morpho_blue", "chain_id": 8453,
        "feeds_score": true, … }, … ],
    "defaults": { "status": "not_applicable" }
  },
  "coverage": "complete"
}

Read the way an underwriter reads.

Defaults and delinquencies are reported as not applicable rather than zero: overcollateralized protocols have no such state, and the report says so instead of implying a clean record.

Debt against collateralTotal debt, total collateral and their ratio, with Aave, Compound and Morpho positions valued through their underlying assets.total_debt_usd · total_collateral_usd · ratio_loan_to_value
Borrowing recordBorrows, repayments and liquidations read from the protocols' own events, per pool, with first and last dates.credit_events.pools[].counts · count_repayments · count_liquidations
Recent creditLoans taken in the last 90 days against the 90 before, and the protocols first borrowed on in that window.credit_events.new_credit
What could not be readChains whose data provider did not answer are named, never filled with zeros, and the report says it is partial.coverage · unavailable_chains

Pay for the view you need.

Every view is priced in Cred Units, the same with an API key or paid per call. Up to 50 wallets can be combined into one report at 7 CU each.

Full report: Every chain: balances, lending positions, debt and collateral, credit events, attestations. /report/address/{address}; 7 CU
Summary: The aggregated metrics only, without per-chain balances. …/summary; 5 CU
Balance history: Positions today and 30, 60 and 90 days ago. …/balance-history; 6 CU
Cash flow: External, lending and conversion flows over 30, 90 and 365 days. …/cash-flow; 8 CU
One chain: The full report for a single chain; 1 CU for its summary. …/chain/{chain_id}; 3 CU
Portfolio value: Holdings by value across chains; 2 CU for one chain. …/total/usd; 4 CU

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