A credit score for any EVM wallet.

One number from 300 to 1000, a range band your policy can key on, and six factor ratings that say why. Built from repayments and liquidations on Aave, Compound and Morpho, plus how the wallet behaves across ten chains.

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GET /api/v2/score/address/0x7a3f…c91e?include_factors=true200 · sample

{
  "model_version": "andromeda_1.4",
  "score": 862,
  "decile": 7,
  "range": "very_good",
  "factors": [
    { "label": "Borrowing History", "rating": "excellent" },
    { "label": "Wallet Composition", "rating": "good" },
    { "label": "Wallet Health", "rating": "very_good" },
    { "label": "Interactions", "rating": "very_good" },
    { "label": "Trust", "rating": "good" },
    { "label": "New Credit", "rating": "good" }
  ]
}

Five bands, fixed thresholds.

Every response carries a range and a decile alongside the number, so a credit policy can key on a band without re-deriving it.

862Very Goodsample · decile 7

Low
300–639+
Fair
640–749+
Good
750–839+
Very Good
840–919+
Excellent
920–1000+

Six reasons behind every number.

Each factor comes back rated from Low to Excellent. You see why a wallet scored the way it did; the weights stay private, so a borrower cannot work the score.

Borrowing History: How the wallet has borrowed and repaid: repayments, liquidations and their record over time.; sample: Excellent
Wallet Composition: The mix of what the wallet holds, from stablecoins to volatile and illiquid assets.; sample: Good
Wallet Health: Overall financial standing and the absence of adverse events.; sample: Very Good
Interactions: How broadly and steadily the wallet engages with onchain protocols.; sample: Very Good
Trust: Identity attestations and how long the wallet has been active.; sample: Good
New Credit: Recent originations and the pace at which new debt is taken on.; sample: Good

Read from lending events, not guessed from balances.

Borrowing history comes from the events themselves: every borrow, repayment and liquidation on Aave V2 and V3, Compound V2 and V3, and Morpho Blue. Wallets that have never borrowed are still scored, from how they behave across all ten chains.

Every model release must rank a fixed set of borrower archetypes the way an analyst would before it ships. On the demo call we score wallets whose outcomes you already know.

Test it on wallets you know

Ethereumborrowing + behaviour
Baseborrowing + behaviour
Arbitrumbehaviour
Optimismbehaviour
Polygonbehaviour
Avalanchebehaviour
BNB Chainbehaviour
Celobehaviour
Lineabehaviour
Robinhood Chainbehaviour

See your own wallets scored.

A 30-minute call with live scoring on wallets you choose, and the factor reasons behind every number. No commitment.

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