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.

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🧠 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]

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📊 Score Composition

Credie Scores are broken down into weighted categories. Each factor is recalculated as activity changes, allowing for real-time credit evolution.

Factor	Weight (%)	Description
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

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📈 Visual Breakdown

    title Credie Score Distribution
    "Wallet Behavior" : 30
    "Transaction Trust" : 20
    "Repayment History" : 25
    "Social Graph + Verifications" : 10
    "Asset Diversity" : 15

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🛰️ 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)

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🔍 Score Buckets

Each wallet is assigned a dynamic tier, recalculated weekly:

Tier	Range	Risk Level	Typical APR	Max Loan Amount
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

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⚙️ 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

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🧪 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.