Get Credit Report

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

const response = await fetch('https://api.credprotocol.com/api/v2/report/address/vitalik.eth', {
  headers: {
    'Authorization': 'Bearer YOUR_API_KEY'
  }
});

const report = await response.json();
console.log(`Total Value: $${report.assets.total_value_usd}`);

import requests

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

report = response.json()
print(f"Total Value: ${report['assets']['total_value_usd']}")

{
  "address": "0xd8dA6BF26964aF9D7eEd9e03E53415D37aA96045",
  "score": {
    "value": 847,
    "classification": "Excellent"
  },
  "assets": {
    "total_value_usd": 125000000.50,
    "tokens": [
      {
        "symbol": "ETH",
        "name": "Ethereum",
        "balance": "50000.5",
        "value_usd": 100000000,
        "chain_id": 1
      }
    ],
    "nfts": [
      {
        "name": "CryptoPunk #1234",
        "collection": "CryptoPunks",
        "chain_id": 1
      }
    ]
  },
  "defi": {
    "protocols": [
      {
        "name": "Aave",
        "supplied": 1000000,
        "borrowed": 0,
        "chain_id": 1
      }
    ],
    "total_supplied": 1000000,
    "total_borrowed": 0
  },
  "activity": {
    "first_transaction": "2015-08-07T00:00:00Z",
    "total_transactions": 15420,
    "active_chains": [1, 137, 42161]
  },
  "cached": false,
  "timestamp": "2024-01-15T10:30:00Z"
}

GET

api

report

address

{address}

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

const response = await fetch('https://api.credprotocol.com/api/v2/report/address/vitalik.eth', {
  headers: {
    'Authorization': 'Bearer YOUR_API_KEY'
  }
});

const report = await response.json();
console.log(`Total Value: $${report.assets.total_value_usd}`);

import requests

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

report = response.json()
print(f"Total Value: ${report['assets']['total_value_usd']}")

{
  "address": "0xd8dA6BF26964aF9D7eEd9e03E53415D37aA96045",
  "score": {
    "value": 847,
    "classification": "Excellent"
  },
  "assets": {
    "total_value_usd": 125000000.50,
    "tokens": [
      {
        "symbol": "ETH",
        "name": "Ethereum",
        "balance": "50000.5",
        "value_usd": 100000000,
        "chain_id": 1
      }
    ],
    "nfts": [
      {
        "name": "CryptoPunk #1234",
        "collection": "CryptoPunks",
        "chain_id": 1
      }
    ]
  },
  "defi": {
    "protocols": [
      {
        "name": "Aave",
        "supplied": 1000000,
        "borrowed": 0,
        "chain_id": 1
      }
    ],
    "total_supplied": 1000000,
    "total_borrowed": 0
  },
  "activity": {
    "first_transaction": "2015-08-07T00:00:00Z",
    "total_transactions": 15420,
    "active_chains": [1, 137, 42161]
  },
  "cached": false,
  "timestamp": "2024-01-15T10:30:00Z"
}

Overview

Returns a comprehensive credit report including asset balances, NFT holdings, DeFi positions, and transaction history across multiple blockchain networks.

Reports aggregate data from 10+ supported networks and are cached for 5 minutes.

Path Parameters

string

required

Ethereum address or ENS name (e.g., vitalik.eth or 0x742d35Cc6634C0532925a3b844Bc9e7595f0Ab17)

Response

string

The resolved Ethereum address (checksummed)

object

Credit score summary

integer

Credit score between 300-1000

string

Score classification

object

Asset holdings across all networks

number

Total portfolio value in USD

array

List of token holdings

array

List of NFT holdings

object

DeFi positions and activity

array

Active DeFi protocol positions

number

Total value supplied to lending protocols

number

Total value borrowed from lending protocols

object

Transaction activity summary

string

Date of first transaction

integer

Total number of transactions

boolean

Whether the response was served from cache

Credit Events

The full report includes a credit_events section with the address’s lending-protocol event history. See Chains & Protocols for coverage.

object

What kind of account the address is. type is contract when the address holds code on any chain it is active on (a Safe, a smart account, an ERC-8004 agent), eoa for a wallet, or unknown when no chain could be read. contract_chains lists the chains with contract code, delegated_chains those where the wallet has an EIP-7702 delegation (still a wallet), checked_chains what was read. A contract is reported and scored like a wallet; this field says which it is.

string

The least complete coverage of any pool. complete means every pool’s history is complete and current.

object

Event counts across all covered pools: supply, withdraw, borrow, repay, liquidation

object

USD value of the events across all covered pools, each at the price of its day: supply, withdraw, borrow, repay, liquidation (the debt a liquidator repaid) and liquidation_collateral (the collateral seized). Values are stored once per event, so they are stable across requests.

integer

Events with no USD value yet: either not valued yet (they are valued within a few seconds of being stored, or by the next report) or in an asset with no market price (spam tokens). Compare with totals to see how much of the history the volumes cover.

object

count, debt_repaid_usd and collateral_seized_usd over all liquidations, the largest_debt_repaid_usd and largest_collateral_seized_usd of any single one (null without a valued liquidation), and last_at.

object

How long the address’s borrowing stays open, from the stored events replayed per pool and asset: a loan episode opens when the outstanding debt goes from nothing to something and closes when repayments (or a liquidation) bring it back to nothing. episodes, closed, open, closed_by_liquidation, average_closed_days, longest_days (closed or still open), open_days (the longest currently open), open_since, last_closed_at, and by_protocol with episodes, closed, open and average_closed_days each. A history that starts mid-loan (pool coverage not complete) opens no episode for the repayments it cannot match.

array

One entry per covered lending pool contract. Protocols with several markets on a chain (Compound) have one entry per market.

string

aave_v2, aave_v3, compound_v3, compound_v2 or morpho_blue

string

Market name for protocols with several markets per chain (for example cUSDCv3, cDAI); null for single-pool protocols

boolean

Whether this pool’s repayments and liquidations count towards the score. false for a protocol still being validated: its events are shown but do not move the score.

integer

Chain the pool is deployed on

string

How complete the event history is for this pool. See the table below.

integer

The block the event history is complete through. null if the pool has not been read yet.

object

Event counts for this pool, by event type. A count is null for an event type that is not collected for the protocol (Compound V2 supply and withdraw), which is different from 0.

object

The pool’s USD volumes by event type, as for the section total. null for an event type that is not collected for the protocol.

integer

The pool’s events with no USD value yet

string

Timestamp of the earliest event, or null if there are none

string

Timestamp of the most recent event, or null if there are none

object

Recent borrowing on the pools that feed the score, over the last window_days (90) days: originations (borrow events), repayments, net_new_borrowing (originations minus repayments), originations_prior_window (borrows in the 90 days before that), acceleration (how many more originations than in the prior window, floored at 0), new_protocols (protocols first borrowed on inside the window) and last_borrow_at. These are the New Credit factor’s inputs.

object

{"status": "not_applicable"} with a reason. Defaults are not observable on overcollateralized protocols.

object

{"status": "not_applicable"} with a reason

array

Lending protocols whose event history is not yet available, so that a missing record is not read as a clean one

boolean

Whether these events contribute to the address’s Cred Score

Coverage

Value	Meaning
`complete`	The event history is complete and current
`partial`	The history is complete through `synced_to_block` but not yet current
`pending`	The address is being read for the first time. Request the report again shortly.
`failed`	The pool could not be read. Counts for this pool are not available.

The first report for an address with a long borrowing history may return pending while its events are read in the background, usually within a few seconds. Until coverage is complete, the counts, and any score that depends on them, may understate the address’s history. Check coverage before relying on count_repayments or count_liquidations. An incomplete report is never cached for more than 30 seconds.

Example

"credit_events": {
  "coverage": "complete",
  "feeds_score": true,
  "totals": { "supply": 5, "withdraw": 0, "borrow": 7, "repay": 4, "liquidation": 0 },
  "pools": [
    {
      "protocol": "aave_v3",
      "chain_id": 1,
      "market_address": "0x87870bca3f3fd6335c3f4ce8392d69350b4fa4e2",
      "market": null,
      "feeds_score": true,
      "coverage": "complete",
      "synced_to_block": 26080712,
      "counts": { "supply": 5, "withdraw": 0, "borrow": 7, "repay": 4, "liquidation": 0 },
      "first_event_at": "2025-03-08T08:24:47+00:00",
      "last_event_at": "2026-09-01T16:59:23+00:00"
    },
    {
      "protocol": "compound_v3",
      "chain_id": 1,
      "market_address": "0xc3d688b66703497daa19211eedff47f25384cdc3",
      "market": "cUSDCv3",
      "feeds_score": false,
      "coverage": "complete",
      "synced_to_block": 26080712,
      "counts": { "supply": 2, "withdraw": 1, "borrow": 3, "repay": 3, "liquidation": 0 },
      "first_event_at": "2025-06-11T10:02:35+00:00",
      "last_event_at": "2026-08-20T21:14:59+00:00"
    },
    {
      "protocol": "compound_v2",
      "chain_id": 1,
      "market_address": "0x39aa39c021dfbae8fac545936693ac917d5e7563",
      "market": "cUSDC",
      "feeds_score": false,
      "coverage": "complete",
      "synced_to_block": 26080700,
      "counts": { "supply": null, "withdraw": null, "borrow": 1, "repay": 1, "liquidation": 0 },
      "first_event_at": "2021-02-03T14:40:11+00:00",
      "last_event_at": "2021-05-19T07:12:44+00:00"
    }
  ],
  "new_credit": {
    "window_days": 90,
    "originations": 2,
    "repayments": 1,
    "net_new_borrowing": 1,
    "originations_prior_window": 3,
    "acceleration": 0,
    "new_protocols": ["compound_v3"],
    "last_borrow_at": "2026-08-20T21:14:59+00:00"
  },
  "defaults": { "status": "not_applicable", "reason": "..." },
  "delinquencies": { "status": "not_applicable", "reason": "..." },
  "not_covered": []
}

Supported Networks

Reports aggregate data from the following networks:

Network	Chain ID
Ethereum	1
Polygon	137
Arbitrum	42161
Optimism	10
Base	8453
Avalanche	43114
BNB Chain	56
Fantom	250
zkSync	324
Linea	59144
Robinhood Chain	4663

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

const response = await fetch('https://api.credprotocol.com/api/v2/report/address/vitalik.eth', {
  headers: {
    'Authorization': 'Bearer YOUR_API_KEY'
  }
});

const report = await response.json();
console.log(`Total Value: $${report.assets.total_value_usd}`);

import requests

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

report = response.json()
print(f"Total Value: ${report['assets']['total_value_usd']}")

{
  "address": "0xd8dA6BF26964aF9D7eEd9e03E53415D37aA96045",
  "score": {
    "value": 847,
    "classification": "Excellent"
  },
  "assets": {
    "total_value_usd": 125000000.50,
    "tokens": [
      {
        "symbol": "ETH",
        "name": "Ethereum",
        "balance": "50000.5",
        "value_usd": 100000000,
        "chain_id": 1
      }
    ],
    "nfts": [
      {
        "name": "CryptoPunk #1234",
        "collection": "CryptoPunks",
        "chain_id": 1
      }
    ]
  },
  "defi": {
    "protocols": [
      {
        "name": "Aave",
        "supplied": 1000000,
        "borrowed": 0,
        "chain_id": 1
      }
    ],
    "total_supplied": 1000000,
    "total_borrowed": 0
  },
  "activity": {
    "first_transaction": "2015-08-07T00:00:00Z",
    "total_transactions": 15420,
    "active_chains": [1, 137, 42161]
  },
  "cached": false,
  "timestamp": "2024-01-15T10:30:00Z"
}

Performance

Response Time: Typically 3-10 seconds depending on activity
Caching: Results cached for 5 minutes per address

API Reference

Score

Report

Identity

Sanctions

Agents

Sandbox

Overview

Path Parameters

Response

Credit Events

Coverage

Example

Supported Networks

Performance

​Overview

​Path Parameters

​Response

​Credit Events

​Coverage

​Example

​Supported Networks

​Performance

Overview

Path Parameters

Response

Credit Events

Coverage

Example

Supported Networks

Performance