Credie Score System

Your Credie Score is the core reputation layer that determines your borrowing power, APR, trust level, and upgrade eligibility across the protocol. It evolves dynamically, based on data from your wallet, behavior, and repayment history.

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🧠 What is a Credie Score?

A composite metric ranging from 300 to 900, your Credie Score represents:

• Creditworthiness based on past repayments

• Trust rating across device, social, and behavioral signals

• Protocol confidence in your ability to repay undercollateralized loans

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⚙️ How It’s Calculated

Credie Score Weight Breakdown
    "Repayment History" : 45
    "On-chain Activity" : 20
    "Wallet Behavior & Health" : 15
    "Social & Device Signals" : 10
    "Protocol Usage Frequency" : 10

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📊 Score Tiers

Score Range	Tier	APR Range	Max Loan Amount	Perks
300–499	Shadow	15–20%	$100	Limited access
500–649	Builder	12–15%	$250	Access to core loans
650–749	Trusted	8–12%	$500	Auto-repay unlocked
750–849	Prime	5–8%	$1,000	Streamed payback + fast loans
850–900	Pinnacle	3–5%	$2,500+	Priority access + preapproval

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🔄 Live Score Dynamics

    A[Initial Score Assigned] --> B[Loan Taken]
    B --> C[Repayment Behavior Tracked]
    C --> D[Credie Score Adjusted]
    D --> E[APR / Loan Tier Recalculated]

Credie Scores are updated in real time and recalculated across all chains where the protocol is active.

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🔍 Behavior Signals That Affect Score

Signal Type	Examples	Impact
Positive Signals	On-time repayment, frequent wallet usage, DEX activity	↑ Score
Negative Signals	Missed payments, dormant wallets, multisig-only usage	↓ Score
Neutral Signals	New wallet, first-time user	Initial tier

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💡 Real-World Signal Integration

Credie optionally incorporates:

• Phone verification and SMS receipt stability

• Device fingerprinting

• Proof-of-personhood attestations

• Social proofing via partner apps or local validators

Each signal strengthens the reputation mesh and boosts access.

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🔁 Score Recovery Flow (If Penalized)

    A[Score Dropped Below Tier] --> B{Has Repayment History?}
    B -- Yes --> C[Cooldown + Retry Tier in 7 Days]
    B -- No --> D[Referral + Verification Required]
    D --> E[Retry Tier after New Activity]

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📘 Example: How Your Score Grows

User: Malik starts at 525 (Builder Tier)

• 3 on-time repayments (+120 pts)

• Stakes for auto-repay (+50 pts)

• Completes wallet verification (+25 pts)

✅ New Score: 720 → Prime Tier Unlocked

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🔐 Score Privacy

• Your full score is only visible to you

• Public-facing tiers (e.g., “Trusted”) are opt-in

• Your raw data signals are encrypted and stored off-chain using zk attestations

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🛠️ Developer Integration

Credie Score is accessible via:

bashCopyEditGET /api/score/:walletAddress
Authorization: Bearer <api-key>

Response:

jsonCopyEdit{
  "score": 721,
  "tier": "Prime",
  "lastUpdated": "2025-07-06T13:32:00Z"
}

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✅ Summary

• Credie Score = real-time reputation engine

• Higher scores = better rates, higher limits, faster loans

• Score is influenced by repayment, usage, trust signals, and behavior

• Fully decentralized and privacy-preserving