Credie Trust Index

Credie Trust Index (CTI)

The Credie Trust Index (CTI) is a dynamic score ranging from 0 to 1000, designed to quantify borrower reliability in a decentralized, KYC-free system.

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🧬 How CTI Is Calculated

CTI is recalculated after every interaction using a weighted formula:

      (W₁ * Repayment History) + 
      (W₂ * Wallet Activity Score) + 
      (W₃ * Social Graph Impact) + 
      (W₄ * Device & Behavior Trust) + 
      (W₅ * Referral Tree Stability)

• W₁ to W₅ are weighted based on behavioral volatility and cohort averages.

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📊 CTI Factors Explained

Factor	Description
Repayment History	On-time repayments, partials, defaults
Wallet Activity Score	Number of real txns, gas spent, consistent usage patterns
Social Graph Impact	Referral impact and indirect default rate
Device & Behavior Trust	Consistency of access, fraud signals, device match rates
Referral Tree Stability	How many of your invitees repay reliably

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📈 CTI Progression

• 0–200: Ineligible to borrow

• 200–500: Micro-loans available

• 500–750: Normal borrowing tier

• 750–900: Eligible for flexible terms

• 900+: Flagged for governance, delegation roles, and rewards

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📉 CTI Penalties

• Early repayments boost CTI

• Missed repayments reduce CTI exponentially

• Referral defaults also impact your CTI

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🧠 Real-time Visual (Live on credie.org)

A[Loan Accepted] --> B{On-time Repayment?}
B -- Yes --> C[+CTI Increase]
B -- No --> D[-CTI Penalty]
C --> E[Next Loan Tier Unlocked]
D --> F[Reputation Recovery Mode]