What is a VIZI® Score?
VIZI® scores wallets, not people. No identity linkage is made or required at any point in the scoring process. A wallet address is a pseudonymous on-chain identifier — not a natural person. Because VIZI® never connects a wallet to an individual, VIZIScan® operates outside the scope of FCRA consumer reporting requirements. Lenders who link an identified borrower to a wallet address are responsible for their own compliance obligations at that step.
The VIZI® Score is an on-chain creditworthiness score — a number between 300 and 850 built entirely from a wallet's verified blockchain history. It uses the same scale as FICO® and VantageScore® so lenders can read it without retraining their models.
Traditional credit bureaus — Equifax®, TransUnion®, Experian® — were built for a world where financial history lives in bank accounts and credit cards. If a borrower has operated primarily in crypto, that history is invisible to them. The VIZI® Score makes that history legible and actionable.
VIZI® is a score standard only. We never originate loans, hold funds, or operate a lending marketplace. We score wallets. Lenders use it. You own your history.
How a score is calculated
Every VIZI® Score is computed in real time from verifiable on-chain data. The process completes in under 15 seconds from address submission to score delivery.
Wallet address submitted
A wallet address is the only input. No name, email, or ID. The address is queried across all supported chains simultaneously to build a full cross-chain transaction history.
DeFi lending protocols queried
Aave, Compound, MakerDAO, Euler, Morpho, and other lending protocols are queried for a complete record of loan positions, repayment events, liquidation history, and collateral ratios. These are immutable blockchain records.
Sanctions screening run
Every address is checked against OFAC SDN lists, OFSI designations, and known illicit address clusters including mixer services and exploit-associated wallets. This runs on every score pull — not once at setup.
Eight signals weighted and combined
Each of the eight factors is calculated independently and combined using published weights to produce a raw score, normalized to the 300–850 scale. Every weight and signal definition is published in the VIZI® Score Methodology Whitepaper.
Score returned with full breakdown
The final score arrives with a signal-by-signal breakdown showing each factor's individual contribution — not a single opaque number, but a transparent explanation of exactly why the score landed where it did.
The 8 scoring signals
Every signal is derived exclusively from verifiable on-chain data. Weights are published and fixed — not adjusted per-lender or per-application.
On-Chain Repayment History
≈ FICO Payment HistoryThe single most predictive signal. Scored from verifiable repayment records on Aave, Compound, MakerDAO, Euler, and Morpho. Full on-schedule repayments score positively. Partial repayments, missed deadlines, and interest-only rollovers score negatively. Each event is timestamped and immutable.
Liquidation & Default Record
≈ Bankruptcies / Charge-offsHard negative events only. Every liquidation event on any DeFi protocol is permanently on-chain. Proximity to liquidation thresholds without actual liquidation also scores negatively. A clean liquidation record is one of the strongest positive signals in the model.
Wallet Age & Activity Consistency
≈ Length of Credit HistoryAge of the oldest verified transaction on any scored chain, weighted by continuous activity. A wallet active for three years scores far higher than one dormant for 18 months. Age without activity does not score well.
Collateral Health & Leverage Ratio
≈ Credit UtilizationScored from historical and current loan-to-value ratios across all active and closed DeFi positions. Conservative collateralization well above protocol minimums scores higher. Chronic high-leverage positions score lower regardless of whether liquidation occurred.
Average Balance & Liquidity Depth
≈ Cash ReservesScored from average stablecoin and blue-chip asset balances across wallet history — not a snapshot. Sustained liquidity over 12+ months demonstrates repayment capacity. Sudden large deposits immediately before a score pull are detected and discounted.
Sanctions & Illicit Exposure
Compliance Hard FloorReal-time screening against OFAC SDN lists, OFSI designations, mixer services, and exploit-associated addresses. Direct interaction is a hard negative. Wallets with confirmed sanctions exposure cannot score above 499 regardless of all other signals.
On-Chain Income Consistency
≈ Ability to RepayRegular, recurring inflows as a proxy for repayment capacity. Stablecoin payroll streams via Superfluid or Sablier, consistent DeFi yield claims, regular peer-to-peer inflows, and staking rewards. Irregular lump-sum inflows score lower than consistent periodic flows.
Protocol Diversity & Responsible Engagement
≈ Credit MixBreadth of responsible protocol usage across lending, savings, and payments. Audited, established protocols score positively. Concentration in unaudited or failed protocols scores negatively. NFT speculation and memecoin trading are excluded entirely.
What counts — and what doesn't
The VIZI® Score rewards responsible borrowing and penalizes defaults. It does not measure trading skill, portfolio size, or market timing.
✓ Counts toward your score
✗ Does not count
What your number means
The same 300–850 scale as FICO® and VantageScore®. Lenders already know how to underwrite this range.
How to improve your score
Building a VIZI® Score works exactly like building a traditional credit score: responsible borrowing over time is the primary driver. There are no shortcuts.
Repay DeFi loans on time and in full
Borrow on Aave, Compound, or Morpho and repay before the due date. Even small, consistent loans repaid on schedule build the most important signal in the model.
Highest Impact — 28%Never get liquidated
Maintain your collateral well above protocol minimums. A single liquidation carries a significant, long-lasting penalty. Set price alerts and monitor your health factor actively.
High Impact — 19%Keep your wallet consistently active
Age and consistency are scored together. Steady monthly usage over years scores far higher than a dormant wallet regardless of its age.
Moderate Impact — 15%Borrow conservatively
Use only a fraction of available collateral capacity. Maintaining a low LTV ratio — similar to low credit card utilization — consistently improves this factor over time.
Moderate Impact — 12%Hold consistent stablecoin balances
Hold USDC, USDT, or DAI consistently over months. Sustained liquidity is what scores — not a large balance deposited right before a pull.
Moderate Impact — 10%Avoid flagged addresses entirely
Never interact with mixer services, exploited protocols, or sanctioned wallets. Confirmed exposure caps your score at 499 regardless of all other signals.
Hard Floor — 9%How lenders use the VIZI® Score
VIZI®-integrated lenders receive a wallet score via API on every application. One call. No model retraining. Underwriters read it like a FICO® score.
Borrower provides wallet address
Applicant submits their wallet address alongside the standard application. The lender collects KYC and makes the identity-to-wallet linkage at this step — not VIZI®.
API score pull
Lender calls the VIZI® API with the wallet address. A 300–850 score is returned in under 15 seconds with full signal breakdown.
Underwriting decision
Score read against existing cutoffs. A 700 VIZI® Score signals the same creditworthiness as a 700 FICO® score in most underwriting models.
Lender handles compliance
Having connected identity to wallet, the lender is responsible for their own regulatory obligations including any applicable FCRA, ECOA, or adverse action requirements at this step.
See the Lender Integration page or API Reference for full documentation.
What we know — and what we don't
Read-only. No wallet connection. No private keys. No identity. VIZIScan® reads only publicly available blockchain data using a wallet address. No wallet connection or signature is required. We cannot access or move funds. We do not link wallet addresses to legal identities — that step belongs to the lender, not to us.
Scores generated via VIZIScan® without account creation are ephemeral and not stored. Create a free account to track a wallet's score history and receive change alerts — still without identity linkage on our end.
Because VIZI® scores wallets and not identified natural persons, VIZIScan® does not produce consumer credit reports as defined under FCRA. Scores are not reported to Equifax®, TransUnion®, or Experian®. Checking a wallet here has no effect on any traditional credit file.
For full details see the Privacy Policy and Terms of Service.
Score any wallet — free, instant
Paste any wallet address and get a full 300–850 score in under 15 seconds. No account. No wallet connection. No cost.