Cash Flow

curl -X GET "https://api.credprotocol.com/api/v2/report/address/vitalik.eth/cash-flow" \
  -H "Authorization: Bearer YOUR_API_KEY"

import requests

response = requests.get(
    'https://api.credprotocol.com/api/v2/report/address/vitalik.eth/cash-flow',
    headers={'Authorization': 'Bearer YOUR_API_KEY'}
)

for w in response.json()['windows']:
    print(f"{w['days']}d: in ${w['inflow_usd']:,.0f} out ${w['outflow_usd']:,.0f} "
          f"turnover {w['turnover_ratio']} top sender {w['top_counterparty_inflow_share']}")

{
  "address": "0x742d35Cc6634C0532925a3b844Bc454e4438f44e",
  "timestamp": "2026-10-24T18:40:11+00:00",
  "coverage": "complete",
  "unpriced_transfers": 3,
  "chains": {"1": {"transfers": 212, "complete": true}, "8453": {"transfers": 48, "complete": true}},
  "windows": [
    {
      "days": 30, "from": "2026-09-24", "to": "2026-10-24",
      "inflow_usd": 12400.0, "outflow_usd": 9100.5, "net_flow_usd": 3299.5,
      "inflow_count": 6, "outflow_count": 11,
      "lending_inflow_usd": 0.0, "lending_outflow_usd": 2500.0,
      "conversion_usd": 4800.0, "conversion_count": 3,
      "active_days": 9,
      "stablecoin_inflow_usd": 12000.0, "stablecoin_inflow_periods": 1, "periods": 1, "stablecoin_inflow_cv": null,
      "counterparties_in": 2, "counterparties_out": 7, "top_counterparty_inflow_share": 0.968,
      "largest_inflow_usd": 6000.0, "largest_outflow_usd": 2500.0, "days_since_last_inflow": 4,
      "average_balance_usd": 18420.55, "turnover_ratio": 1.167,
      "complete": true
    },
    {"days": 90, "from": "2026-07-26", "to": "2026-10-24", "...": "same fields"},
    {"days": 365, "from": "2025-10-24", "to": "2026-10-24", "...": "same fields"}
  ]
}

{
  "detail": "Transfer history is temporarily unavailable from upstream data providers; please retry shortly"
}

GET

api

report

address

{address}

cash-flow

curl -X GET "https://api.credprotocol.com/api/v2/report/address/vitalik.eth/cash-flow" \
  -H "Authorization: Bearer YOUR_API_KEY"

import requests

response = requests.get(
    'https://api.credprotocol.com/api/v2/report/address/vitalik.eth/cash-flow',
    headers={'Authorization': 'Bearer YOUR_API_KEY'}
)

for w in response.json()['windows']:
    print(f"{w['days']}d: in ${w['inflow_usd']:,.0f} out ${w['outflow_usd']:,.0f} "
          f"turnover {w['turnover_ratio']} top sender {w['top_counterparty_inflow_share']}")

{
  "address": "0x742d35Cc6634C0532925a3b844Bc454e4438f44e",
  "timestamp": "2026-10-24T18:40:11+00:00",
  "coverage": "complete",
  "unpriced_transfers": 3,
  "chains": {"1": {"transfers": 212, "complete": true}, "8453": {"transfers": 48, "complete": true}},
  "windows": [
    {
      "days": 30, "from": "2026-09-24", "to": "2026-10-24",
      "inflow_usd": 12400.0, "outflow_usd": 9100.5, "net_flow_usd": 3299.5,
      "inflow_count": 6, "outflow_count": 11,
      "lending_inflow_usd": 0.0, "lending_outflow_usd": 2500.0,
      "conversion_usd": 4800.0, "conversion_count": 3,
      "active_days": 9,
      "stablecoin_inflow_usd": 12000.0, "stablecoin_inflow_periods": 1, "periods": 1, "stablecoin_inflow_cv": null,
      "counterparties_in": 2, "counterparties_out": 7, "top_counterparty_inflow_share": 0.968,
      "largest_inflow_usd": 6000.0, "largest_outflow_usd": 2500.0, "days_since_last_inflow": 4,
      "average_balance_usd": 18420.55, "turnover_ratio": 1.167,
      "complete": true
    },
    {"days": 90, "from": "2026-07-26", "to": "2026-10-24", "...": "same fields"},
    {"days": 365, "from": "2025-10-24", "to": "2026-10-24", "...": "same fields"}
  ]
}

{
  "detail": "Transfer history is temporarily unavailable from upstream data providers; please retry shortly"
}

Overview

Returns flow statistics for the wallet over three trailing windows, summed across every chain it has used. It is the on-chain counterpart of a bank-statement cash-flow analysis: how much arrived and left, from how many counterparties, how regularly, and how fast the balance turns over. Pair it with Balance History, which gives the stock at four instants; this endpoint gives the movement between them. Cost: 8 Cred Units per request.

How transfers are counted

Every native, internal and ERC-20 transfer touching the wallet is valued in USD at that day’s price and sorted into one of three kinds:

Kind	What it is	Where it shows
External	Funds arriving from or leaving to anyone other than a lending protocol	`inflow_`, `outflow_`, `net_flow_usd`, counterparties, largest transfers
Lending	One-way transfers to or from a known Aave pool or Compound market: supplies and repayments out, borrows and withdrawals in	`lending_inflow_usd`, `lending_outflow_usd`
Conversion	A transaction that moved value both into and out of the wallet: swaps, wraps, LP entries. Money changed form; it did not arrive or leave	`conversion_usd`, `conversion_count`

Lending receipt and debt tokens (aTokens, variable-debt tokens, Comet balances) are positions, not funds, and are ignored. Transfers of tokens without a market price are ignored and counted in unpriced_transfers. This is also what keeps airdrop spam out of the totals.

Path Parameters

string

required

Ethereum address or ENS name (e.g., vitalik.eth or 0x742d35Cc6634C0532925a3b844Bc454e4438f44e)

Response

string

The resolved Ethereum address (checksummed)

string

ISO 8601 timestamp when the statistics were computed; every window ends here

string

complete when every chain’s transfers were read, otherwise partial

integer[]

Present only when coverage is partial: chains whose transfers could not be read

integer

Transfers ignored because their token has no market price

object

Per chain read: transfers, the number of transfer legs found in the longest window, and complete, false when the chain had more rows than one read returns and the window predates the oldest row

array

One object per window, 30, 90 and 365 days

integer / string / string

The window length and its date range

number

External funds in, out, and the difference

integer

External transfers in and out

number

Borrows and withdrawals received from lending protocols; supplies and repayments sent to them

number / integer

Value sold in conversions (the outgoing side) and the number of converting transactions

integer

Days with at least one priced transfer of any kind

number

External inflow in stablecoins

integer

How many of the window’s 30-day periods saw any stablecoin inflow, and how many periods the window has

number | null

Coefficient of variation of stablecoin inflow across the periods. 0 is perfectly steady; above 1 is lumpy. null for the 30-day window or when there was none

integer

Distinct external senders and recipients

Share of external inflow from the single largest sender. null when there was no inflow

number

The largest single external transfer in each direction

integer | null

Days since the most recent external inflow inside the window; null when there was none

number | null

Mean of the balance-history points (assets held plus lending deposits) that fall inside the window. The 365-day window uses the same points as the 90-day one

number | null

(inflow_usd + outflow_usd) / average_balance_usd. Below 1 per quarter reads as a treasury; tens read as active trading

boolean

false when some chain’s history could not be read back far enough to cover this window

Reading the numbers

Income regularity: stablecoin_inflow_periods equal to periods with a low stablecoin_inflow_cv is salary-like; a single large period is a one-off.
Dependence: top_counterparty_inflow_share near 1 with counterparties_in of 1 means one source funds the wallet.
Drain: negative net_flow_usd with a large largest_outflow_usd relative to average_balance_usd, especially in the 30-day window against a positive 365-day one.
Debt service: lending_outflow_usd against inflow_usd shows whether repayments are funded by income.

Known limits

Transfers between a user’s own wallets read as external flows.
Gas is not counted as an outflow.
Celo transfers are read, but only its native coin and CoinGecko-listed tokens are priced. Robinhood Chain tokens other than ETH are unpriced.
A chain with more than 10,000 rows of one kind in the window is read from the newest row backwards; windows the read did not reach are marked complete: false.

curl -X GET "https://api.credprotocol.com/api/v2/report/address/vitalik.eth/cash-flow" \
  -H "Authorization: Bearer YOUR_API_KEY"

import requests

response = requests.get(
    'https://api.credprotocol.com/api/v2/report/address/vitalik.eth/cash-flow',
    headers={'Authorization': 'Bearer YOUR_API_KEY'}
)

for w in response.json()['windows']:
    print(f"{w['days']}d: in ${w['inflow_usd']:,.0f} out ${w['outflow_usd']:,.0f} "
          f"turnover {w['turnover_ratio']} top sender {w['top_counterparty_inflow_share']}")

{
  "address": "0x742d35Cc6634C0532925a3b844Bc454e4438f44e",
  "timestamp": "2026-10-24T18:40:11+00:00",
  "coverage": "complete",
  "unpriced_transfers": 3,
  "chains": {"1": {"transfers": 212, "complete": true}, "8453": {"transfers": 48, "complete": true}},
  "windows": [
    {
      "days": 30, "from": "2026-09-24", "to": "2026-10-24",
      "inflow_usd": 12400.0, "outflow_usd": 9100.5, "net_flow_usd": 3299.5,
      "inflow_count": 6, "outflow_count": 11,
      "lending_inflow_usd": 0.0, "lending_outflow_usd": 2500.0,
      "conversion_usd": 4800.0, "conversion_count": 3,
      "active_days": 9,
      "stablecoin_inflow_usd": 12000.0, "stablecoin_inflow_periods": 1, "periods": 1, "stablecoin_inflow_cv": null,
      "counterparties_in": 2, "counterparties_out": 7, "top_counterparty_inflow_share": 0.968,
      "largest_inflow_usd": 6000.0, "largest_outflow_usd": 2500.0, "days_since_last_inflow": 4,
      "average_balance_usd": 18420.55, "turnover_ratio": 1.167,
      "complete": true
    },
    {"days": 90, "from": "2026-07-26", "to": "2026-10-24", "...": "same fields"},
    {"days": 365, "from": "2025-10-24", "to": "2026-10-24", "...": "same fields"}
  ]
}

{
  "detail": "Transfer history is temporarily unavailable from upstream data providers; please retry shortly"
}

Performance

Response Time: 5–20 seconds on a cold wallet (three transfer feeds per active chain, plus one price series per token); well under a second afterwards
Caching: transfers per chain for an hour, price series for a day, the response for 5 minutes
Not billed: a 503 (no provider could answer) consumes no Cred Units

API Reference

Score

Report

Identity

Agents

Sandbox

Overview

How transfers are counted

Path Parameters

Response

Reading the numbers

Known limits

Performance

​Overview

​How transfers are counted

​Path Parameters

​Response

​Reading the numbers

​Known limits

​Performance

Overview

How transfers are counted

Path Parameters

Response

Reading the numbers

Known limits

Performance