Important framing before you read this
VIZI® is not a replacement for traditional credit bureaus — it covers on-chain blockchain history that Equifax®, TransUnion®, and Experian® simply do not have access to. These are complementary systems. A lender using VIZI® can underwrite crypto-native borrowers they would otherwise have to decline for lack of credit history — while still using traditional bureau data for traditional credit signals. VIZI® fills the gap. It does not replace what already exists.
Feature-by-feature breakdown
How VIZI® compares across the dimensions that matter most to lenders, wallets, and consumers.
Equifax®, TransUnion®, and Experian® are registered trademarks of their respective companies. FICO® is a registered trademark of Fair Isaac Corporation. Pricing estimates are approximate and may vary. Traditional bureau pricing varies by volume, contract, and product tier.
How VIZI® signals map to FICO® factors
The VIZI® Score was designed to be readable by underwriters already familiar with FICO®. Each signal has a direct conceptual parallel — applied to on-chain data.
DeFi loan repayment records sourced directly from Aave, Compound, MakerDAO, and Morpho. Every repayment event is timestamped on-chain — impossible to alter or dispute away.
Permanent record of all DeFi liquidation events. Liquidations are immutable — they cannot be removed or disputed. A clean record is one of the strongest positive signals.
Age of oldest transaction on any scored chain, weighted by continuous monthly activity. Dormant wallets score poorly regardless of age — consistent engagement is required.
Historical and current loan-to-value ratios across all DeFi positions. Conservative collateralization above protocol minimums scores higher. Chronic high leverage scores lower.
Sustained stablecoin and blue-chip balances over 12+ months. Average over time — not a snapshot. Sudden large deposits before a score pull are detected and discounted.
Real-time OFAC SDN, OFSI, mixer, and exploit screening. Hard cap: any confirmed sanctions exposure limits the score to 499 regardless of all other signals. Runs on every pull.
Recurring inflows via Superfluid payroll streams, Sablier vesting, staking reward claims, and regular peer-to-peer patterns. Signals repayment capacity from verifiable sources.
Breadth of responsible protocol usage across lending, staking, and savings. Audited, established protocols score positively. NFT speculation and memecoin trading are fully excluded.
The right tool for each borrower profile
VIZI® and traditional bureaus answer different questions about different borrowers. The smartest lenders use both.
Why leading lenders use VIZI® alongside traditional bureaus
VIZI® does not ask you to replace anything. It fills the gap your current models leave open.
Approve borrowers you're currently declining
Millions of creditworthy borrowers have thin or no traditional credit files but years of verified on-chain repayment history. The VIZI® Score makes that history visible without requiring any model changes on your end.
Drop-in: same scale, same read
A 720 VIZI® Score means the same creditworthiness to an underwriter as a 720 FICO® score. No new training. No new decision framework. Just an additional data source that fits directly into your existing workflow.
Better decisions on dual-file borrowers
When a borrower has both a FICO® score and a VIZI® Score, lenders see the full picture. Strong on-chain history alongside a thin traditional file is a very different risk profile from thin file alone.
Sanctions screening included at no extra cost
Every VIZI® score pull includes real-time OFAC and OFSI screening. Traditional bureaus do not screen for crypto-specific sanctions exposure. For crypto lenders, this is a meaningful compliance advantage.
Ready to fill the gap?
Add the VIZI® Score to your underwriting stack. One API call. Under 15 seconds. No retraining.