Credit Scoring API¶

The Credit Scoring API returns an AI-driven crypto trust score (1-9) for any wallet address, combining on-chain inflow/outflow analysis, fraud probability, and social graph signals. It enables DeFi lending protocols to differentiate reliable borrowers from high-risk wallets before originating loans - without requiring identity data or KYC.

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

Authentication: x-api-key header required.

Subscription: Enterprise

Supported networks: ETH

Response latency: under 100ms

How the Score Works¶

ChainAware's credit score is a 1-9 integer (riskRating) produced by an AI model trained on on-chain behaviour. It combines:

Inflow/outflow analysis - volume, frequency, and patterns of on-chain capital movement
Fraud probability - the same predictive fraud model that powers the Fraud Detection API
Social graph signals - relationships between wallets derived from funding and interaction history

The result is a single comparable number that reflects the trustworthiness of any Ethereum wallet - no off-chain identity, KYC data, or traditional credit bureau input required.

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 - `ETH`
`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": "ETH",
    "walletAddress": "0xd8dA6BF26964aF9D7eEd9e03E53415D37aA96045"
  }'

Response¶

Field	Type	Description
`message`	string	`"Success"`
`creditData.walletAddress`	string	The queried wallet address
`creditData.riskRating`	integer	Trust score from 1 (lowest) to 9 (highest)

Example response

{
  "message": "Success",
  "creditData": {
    "walletAddress": "0xd8dA6BF26964aF9D7eEd9e03E53415D37aA96045",
    "riskRating": 7
  }
}

Error Codes¶

Code	Meaning
`400`	Bad request - missing or invalid fields
`401`	Unauthorized - API key missing or invalid
`404`	Wallet not found
`429`	Rate limit exceeded
`500`	Internal server error

Interpreting `riskRating`¶

Score	Trust level	Suggested treatment
8-9	High trust	Eligible for undercollateralised or low-collateral loans
6-7	Above average	Reduced collateral requirements
4-5	Average	Standard collateral requirements; monitor repayment
2-3	Below average	Require full overcollateralisation
1	Low trust	Decline or require maximum collateral

Set 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 high-trust wallets, improving capital efficiency for borrowers and utilisation for lenders
Dynamic collateral requirements - adjust required collateral in real time based on riskRating 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 riskRating threshold
Risk-adjusted interest rates - price loans based on individual credit risk rather than a protocol-wide rate
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 Behaviour Prediction APIs. For a full picture of a wallet at onboarding:

POST /fraud/check - fraud risk and AML screening
POST /users/credit-score - creditworthiness for lending decisions
Behaviour Prediction API - full behavioural segment and quality ranking