Credit Scoring API¶

The Credit Scoring API calculates an on-chain credit score for any wallet address based on its transaction history, repayment behaviour, and DeFi activity. It enables DeFi lending protocols to offer undercollateralised loans — extending credit beyond the standard overcollateralisation model that limits capital efficiency across DeFi.

Base URL: https://enterprise.api.chainaware.ai

Authentication: x-api-key header required.

Subscription: Enterprise

Supported networks: ethereum

How the Score Works¶

ChainAware's credit score combines standard credit-scoring methodology with AI-based predictive analytics trained on on-chain behaviour. The model evaluates:

Repayment history — prior DeFi borrowing and repayment track record
Wallet activity — transaction volume, frequency, protocol diversity, and tenure
Portfolio behaviour — asset holdings, liquidation history, and collateral management patterns
Risk signals — fraud probability and behavioural risk indicators from the same models that power the Fraud Detection API

The result is an integer score that provides a standardised, comparable measure of creditworthiness across any Ethereum wallet — without requiring any off-chain identity, KYC data, or traditional credit bureau input.

POST /users/credit-score¶

Request¶

Headers

Header	Type	Required	Description
`x-api-key`	string	Yes	Your ChainAware API key
`Content-Type`	string	Yes	`application/json`

Body

Field	Type	Required	Description
`network`	string	Yes	Blockchain network — currently `ethereum`
`walletAddress`	string	Yes	The wallet address to score

Example request

curl -X POST https://enterprise.api.chainaware.ai/users/credit-score \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "network": "ethereum",
    "walletAddress": "0xd8dA6BF26964aF9D7eEd9e03E53415D37aA96045"
  }'

Response¶

Field	Type	Description
`message`	string	Result status message
`data.walletAddress`	string	The queried wallet address
`data.creditScore`	integer	Credit score — higher is better creditworthiness
`data.details`	object	Key-value breakdown of the factors that contributed to the score

Example response

{
  "message": "Credit score retrieved",
  "data": {
    "walletAddress": "0xd8dA6BF26964aF9D7eEd9e03E53415D37aA96045",
    "creditScore": 742,
    "details": {
      "repaymentHistory": "excellent",
      "walletTenure": "28 months",
      "liquidationEvents": "0",
      "protocolDiversity": "high",
      "fraudRisk": "low"
    }
  }
}

Interpreting the Score¶

The creditScore is an integer. Higher scores indicate stronger creditworthiness. Use the details object to understand which factors drove the score — this is useful both for internal decisioning logic and for surfacing explanations to borrowers.

Recommended usage:

Score range	Suggested treatment
High	Eligible for undercollateralised or low-collateral loans
Mid-range	Standard collateral requirements; monitor repayment
Low	Require full overcollateralisation or decline

Set your own thresholds based on your protocol's risk tolerance and liquidity position. Contact ChainAware support for guidance on threshold calibration.

Common Use Cases¶

Undercollateralised lending — extend loans below the typical 150%+ collateralisation ratio to creditworthy wallets, improving capital efficiency for borrowers and utilisation for lenders
Dynamic collateral requirements — adjust required collateral in real time based on the borrower's credit score rather than applying a flat ratio to all users
Credit-gated product tiers — restrict access to higher loan limits or lower rates to wallets that meet a minimum credit score threshold
Risk-adjusted interest rates — price loans based on individual credit risk rather than a protocol-wide rate, improving competitiveness for low-risk borrowers while protecting the pool
Combined with fraud screening — call /fraud/check before issuing credit to ensure a creditworthy wallet is not also a fraud risk

Relationship to Other Endpoints¶

The credit score draws on the same underlying behavioural models as the Fraud Detection and Segmentation APIs. For a full picture of a wallet — fraud risk, segment quality, and creditworthiness — consider calling all three at the point of onboarding:

POST /fraud/audit — fraud risk and full behavioural profile
POST /segmentation/wallet-segment — quality segment and ranking
POST /users/credit-score — creditworthiness for lending decisions