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POST

Overview

Returns an enhanced credit score that combines on-chain activity with additional off-chain asset information for a more comprehensive creditworthiness assessment.
Enhanced scores incorporate verified off-chain asset data to provide a more complete financial picture.

Path Parameters

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

Request Body

number
Total value of off-chain assets in USD to include in the score calculation

Response

string
The resolved Ethereum address (checksummed)
integer
Enhanced credit score between 300 and 1000
integer
Score decile from 1 to 10
string
Score range: low, fair, good, very_good, or excellent
string
The scoring model version (currently andromeda_1.1)
string
ISO 8601 timestamp when the score was calculated

Boost Calculation

The boost is calculated as a percentage of the gap between the current score and 1000:
  • Maximum boost: 15% of (1000 - current_score)
  • Boost factor: Proportional to additional assets (capped at $50,000)
  • Example: Score 700 with $50k off-chain assets = up to +45 points

When to Use Enhanced Scores

Use enhanced scores for more accurate risk analytics. The additional identity verification reduces the risk of sybil attacks. Credit decisions about individuals need consumer-report delivery.
When you need to assess the trustworthiness of a counterparty, enhanced scores provide a more holistic view by incorporating reputation data.
Offer better terms or reduced requirements to users with high enhanced scores, as they’ve demonstrated verified identity and reputation.