Risk & Underwriting
Streamline lending decisions with automated risk assessment. Comprehensive credit data powers faster, smarter underwriting.
Cred Protocol enables lenders to automate and enhance their underwriting process with real-time on-chain credit data. Quantify risk accurately and set appropriate terms for every borrower.
- Automate underwriting decisions with comprehensive risk profiles including default probability, liquidation history, and behavioral patterns
- Set dynamic collateral requirements based on real creditworthiness—reduce over-collateralization for proven borrowers
- Access detailed credit reports with asset holdings, DeFi positions, and lending history to support manual review when needed
Frequently Asked Questions
How can Cred Protocol improve my underwriting process?
Our API provides instant risk assessment data that can automate or augment your underwriting workflow. Credit scores, risk bands, and detailed reports enable you to make faster decisions while maintaining accuracy. Many clients reduce underwriting time by 90% while improving default prediction.
What risk factors are included in the assessment?
Our reports include lending history across protocols, repayment behavior patterns, liquidation events, wallet age and activity levels, asset diversity, protocol usage breadth, and historical trends. These factors combine to provide a holistic view of borrower risk.
Can I integrate Cred data into my existing underwriting system?
Yes. Our RESTful API returns structured JSON responses that integrate seamlessly with any underwriting platform. We provide SDKs for popular languages and can support custom integration requirements for enterprise clients.
How does this compare to traditional underwriting data?
On-chain data provides verifiable, real-time insights that complement traditional credit data. For crypto-native users who may lack traditional credit history, Cred scores offer the only comprehensive view of their financial behavior and creditworthiness.
Ready to Get Started?
See how Cred Protocol can transform your approach to on-chain credit assessment.