Crypto Credit Score,
Built On-Chain for
DeFi Lending
ZentraScore is the first on-chain credit score for DeFi — a cryptocurrency credit score built from every borrow, repayment, and liquidation on-chain. Unlock undercollateralized lending, better rates, and higher limits, with no banks and no paperwork.
Try: 0xd8da... for Exceptional · 0xab5a... for Fair
$10M+
Transactions
2000+
Active Users
80%
Revenue Growth
Score: 300 – 850
84%
Repayment
7.2%
Best Rate
1
Liquidations
From wallet address to a
verified on-chain credit score
Turn your on-chain history into a trustless cryptocurrency credit score — no forms, no documents, no banks.
Index your
on-chain history
Our subgraph listens to events across every major DeFi protocol in real time — every borrow, repayment, and liquidation is captured, timestamped, and attributed to your wallet address.
// Live event stream
Borrow 0x71C7... $12,500 USDC
Aave V3 · block #19847231
Repay 0x71C7... $5,000 USDC
Compound III · block #19851089
Liq. 0xAb5a... $3,100 USDC
Aave V2 · block #19854201
▶ 2,400,000 wallets indexed
Score computation
Compute your
weighted credit score
Six behavioural factors are extracted from your indexed history, normalised, and combined using a weighted model — producing a final score between 300 and 850.
Anti-fraud layer included
Sybil detection, wash-repayment analysis, and circular fund flow checks run before every score is issued.
Write it trustlessly
on-chain
A 2-of-3 multi-oracle network reaches consensus and writes your score to the CreditScoreOracle contract. Any lending protocol reads it directly — no API key, no intermediary.
// Solidity — read score on-chain
interface ICreditScoreOracle {
function getScore(address w)
external view returns
(uint16 score, bool valid);
}
require(valid &&
score >= 580,
"score too low");
▶ No API key · fully trustless
The most reliable crypto credit score for DeFi
Every factor in your on-chain credit score is computed from immutable blockchain data. No surveys, no documents, no intermediaries.
All Major DeFi Protocols
We track repayment behavior across Aave, Compound, MakerDAO, and 15 more. Your entire DeFi history feeds your score automatically.
Instant Score Lookups
Paste any Ethereum address and get a full score breakdown in under 2 seconds — cached for 1 hour and updated on every new on-chain event.
Multi-Chain Coverage
Cross-chain scores aggregated from Ethereum, Arbitrum, Base, Avalanche, and Unichain. One number, every chain you've ever touched.
Fraud-Resistant Scoring
Sybil detection, wash-repayment analysis, and circular fund flow checks — four layers of anti-fraud protect every single score.
Score Improvement Tips
Personalised recommendations show exactly which actions will raise your score and by how many points — no guesswork required.
Trustless On-Chain Oracle
Smart contracts read your score directly from the blockchain. No API key, no intermediary, no trust required by your lender.
Easy Way To See
Your Total Balance
& Score Health
A real-time view of your on-chain credit position, active loans, best available rates, and personalised improvement actions — all in one place.
Real-time score tracking
Updates automatically on every on-chain event across all monitored protocols and chains.
Loan eligibility previews
See which protocols you qualify for and at what rate, before you ever submit a transaction.
Actionable recommendations
Specific steps ranked by score impact so you always know the highest-leverage action to take next.
7.2% best APR available
Handoff Your Work
Smarter Now
Create a full on-chain credit profile for your wallet and share it directly with any lending protocol or counterparty — no intermediary required.
Strategic scoring
Understand which factors move your score the most and by how much — ranked by weighted contribution.
Work schedule visibility
See your complete DeFi activity timeline — when loans were opened, repaid, or liquidated.
Score factor breakdown
Strategic recommendations
Repay Aave USDC loan → estimated +18 pts
Activity timeline
Last event: Compound repayment — 2 hours ago
Crypto credit score pricing.
Serious infrastructure.
Start free. Scale as your protocol grows. No hidden fees, no per-chain surcharges.
Consumer
For individual DeFi users who want to understand and improve their on-chain credit standing.
$9
per month
- ✓Live score with factor breakdown
- ✓Full 12-month score history
- ✓Improvement recommendations
- ✓Real-time score change alerts
- ✓Loan eligibility previews
Protocol API
For DeFi protocols integrating credit scoring into their lending or risk infrastructure.
$299
/ month + $0.10 per query
- ✓REST API + on-chain oracle
- ✓Webhook score change events
- ✓Batch scoring up to 50k/day
- ✓99.9% SLA with status page
- ✓Custom weight configuration
- ✓Dedicated support
Risk Analytics
For funds, DAOs, and research teams needing portfolio-level credit risk intelligence.
$499
per month
- ✓Portfolio risk dashboard
- ✓Score distribution analytics
- ✓Default prediction reports
- ✓CSV + API data export
- ✓Up to 50 wallet monitors
What DeFi users and protocols say
about the ZentraScore crypto credit score
Trusted by 18+ protocols and thousands of DeFi users worldwide
★★★★★
"Reduced our default rate by 34% in 90 days"
The on-chain oracle makes it completely trustless — our smart contracts read ZentraScore directly. Integration took less than a day and the ROI was immediate.
Elena Vasquez
Head of Risk · ClearLend Protocol
★★★★★
"Saved us 6 months of engineering work"
18 months of indexed history across every major protocol. We tried building this ourselves — ZentraScore's data moat is real and impossible to replicate quickly.
Marcus Okonkwo
CTO · OpenBorrow DAO
★★★★☆
"Good borrowers now get 40% lower rates"
Borrowers with scores above 740 finally get rates that reflect their creditworthiness. Retention improved dramatically — good actors stay because they're rewarded.
Priya Nair
Protocol Lead · ChainFi Labs
Crypto credit score, answered
Everything you need to know about how a cryptocurrency credit score works, how it's calculated, and how DeFi protocols use it.
What is a crypto credit score?
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How is a cryptocurrency credit score calculated?
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Is a blockchain credit score the same as a traditional credit score?
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Does my on-chain credit score affect my real-world credit?
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How do DeFi protocols use my crypto credit score?
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How do I improve my crypto credit score?
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Is ZentraScore trustless?
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How often is my on-chain credit score updated?
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Unlock undercollateralized lending with
your on-chain crypto credit score
Join 18+ protocols already using ZentraScore's cryptocurrency credit score to price risk, reduce defaults, and reward good borrowers with better rates.