Credit Scoring
Assess borrower creditworthiness instantly with on-chain credit scores. Make data-driven lending decisions based on real blockchain behavior.
Cred Protocol provides credit scores for any EVM address, enabling lenders to quantify risk and make informed decisions. Our API delivers real-time scores based on actual lending history, not speculation.
- Quantify creditworthiness for 300M+ EVM addresses using on-chain lending history, repayment patterns, and DeFi activity
- Get industry-standard 300-1000 credit scores with clear risk bands (Low, Fair, Good, Very Good, Excellent) for consistent decisioning
- Multi-chain coverage across Ethereum, Base, Polygon, Arbitrum, Optimism, and 5 other networks for comprehensive risk assessment
Frequently Asked Questions
How is the on-chain credit score calculated?
Our Andromeda model analyzes on-chain lending history, repayment behavior, asset holdings, protocol diversity, wallet age, and activity patterns across 10+ blockchains. The score reflects real borrowing and repayment behavior, providing a true measure of credit risk rather than speculation.
What score range should I use for lending decisions?
Scores follow a 300-1000 range similar to traditional credit scores. 750+ indicates excellent credit with minimal default risk, 650-749 is good credit suitable for standard terms, 550-649 is fair credit that may require higher collateral, and below 550 indicates higher risk requiring careful consideration.
How often are credit scores updated?
Scores are calculated in real-time using the latest on-chain data. Our API provides fresh scores within milliseconds, reflecting the most current lending activity and wallet state. Historical score trends are also available to track borrower improvement over time.
Can I use Cred scores for DeFi lending protocols?
Absolutely. Cred scores are designed for DeFi lending use cases—from determining collateral requirements to qualifying borrowers for under-collateralized loans. Many protocols use our API to dynamically adjust terms based on borrower creditworthiness.
Ready to Get Started?
See how Cred Protocol can transform your approach to on-chain credit assessment.