On-chain credit infrastructure
Credit scoring
for wallets
FICO-equivalent 300-850 scores computed from on-chain history. ECDSA-signed credentials for DeFi protocols and enterprise underwriting.
60+
EVM chains scored
30D
credential validity
x402
metered access
Connect Wallet
Connect your OKX wallet to sign in and start scoring.
Methodology
Five dimensions of on-chain credit
Each dimension scores 0-100, weighted and mapped to a 300-850 FICO-equivalent range.
How long the wallet has been active and how frequently it transacts across a 48-month evaluation window.
Portfolio value measured with recency-weighted historical pricing to prevent temporary pumps from inflating scores.
Duration of held positions and portfolio volatility, favoring long-term conviction over frequent trading.
Borrow-repay ratio across lending protocols, with penalties for liquidation events. Covers Aave, Compound, Morpho, Spark.
Number of distinct EVM chains with meaningful activity, reflecting ecosystem breadth.
Start scoring
Connect an OKX wallet, sign the SIWE challenge, and unlock your on-chain credit report. Scores are paid via x402 with zero-gas USDT0 on X Layer.