Credit Scoring Engine
Credie’s Credit Scoring Engine is the core of its AI-based lending protocol. It replaces traditional credit bureaus with real-time, trustless, and transparent on-chain behavior analysis, giving borrowers a dynamic score based on how they act across wallets, protocols, and time.
🧠 How the Engine Works
At its core, Credie’s engine is an AI system that processes a user’s blockchain footprint, aggregates off-chain and social signals, and continuously updates their score using a hybrid trust model.
A [Wallet Connect] --> B [Behavioral Data Extraction]
B --> C[AI Risk Assessment]
C --> D{Scoring Buckets}
D --> E[Borrower Score]
D --> F[Loan Terms]
E --> G[Reputation Update]📊 Score Composition
Credie Scores are broken down into weighted categories. Each factor is recalculated as activity changes, allowing for real-time credit evolution.
Wallet Behavior
30%
Historical DeFi usage, staking, liquidation events
Transaction Trust
20%
On-chain counterparties, smart contract risks
Repayment History
25%
Timely loan repayments across Credie + partner protocols
Social Graph + Verifications
10%
Web2 proof, GitHub/ENS/Twitter identity trust
Asset Diversity + Health
15%
Portfolio value, volatility, on-chain diversification
📈 Visual Breakdown
title Credie Score Distribution
"Wallet Behavior" : 30
"Transaction Trust" : 20
"Repayment History" : 25
"Social Graph + Verifications" : 10
"Asset Diversity" : 15🛰️ Connected Data Sources
✅ On-chain: Solana, Ethereum, Arbitrum, Base
✅ Off-chain: Lens, Twitter, GitHub (via Oracles)
✅ Device metadata (optional): OS, geolocation clusters, screen resolution (used only for trust anchors)
✅ Partner identity protocols (e.g. Gitcoin Passport, BrightID)
🔍 Score Buckets
Each wallet is assigned a dynamic tier, recalculated weekly:
Prime
80-100
Very Low
3% - 6%
5,000 USDC
Preferred
60-79
Moderate
7% - 12%
3,000 USDC
Starter
40-59
High
13% - 18%
1,500 USDC
Limited
< 40
Restricted
20%+
500 USDC
⚙️ Example Use Case: Real-Time Scoring
Imagine a user:
Stakes on Solana for 6 months
Pays off 3 loans early
Links a verified GitHub with OSS contributions
Within 48 hours, the scoring engine will:
Boost their Repayment and Social buckets
Increase their loan cap by 30%
Lower their APR by 4% in select vaults
🧪 Why This Matters
📉 No middlemen: Credit scores are not owned by banks or companies, they’re owned by wallets.
🚀 Dynamic: Scores evolve with behavior. Your past doesn’t define your future.
🔎 Transparent: Users can audit exactly why their score changed.
Last updated