On-chain credit scoring for wallets.
Transform wallet history into a 300-850 credit score with verifiable credentials protocols can trust.
60+ chains
Multi-chain wallet analysis
30D credential
ECDSA signed proof with expiry
x402 metered
Pay-per-query enterprise API
Connect Wallet
Connect your OKX wallet to sign in and start scoring.
Why these five dimensions
Traditional credit uses payment history, utilization, and account age. On-chain credit maps equivalent signals from wallet data into a 300–850 FICO-equivalent score.
Wallet Age & Activity
20%Account tenure + transaction frequency — the on-chain equivalent of credit history length.
Asset Scale
25%Portfolio value across chains — demonstrates capacity to service obligations.
Position Stability
20%Holding duration and low volatility — signals conviction, not speculation.
DeFi Repayment
25%Borrow/repay behavior and liquidation history — the closest analog to traditional payment history.
Multi-chain Presence
10%Activity across 60+ chains — diversification reduces single-chain risk.
Credit visibility for on-chain balance sheets.
Five scoring dimensions, one lender-readable number. Wallet tenure, asset depth, position stability, repayment behavior, and multichain activity — normalized into a verifiable credential.