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POST
https://api.credprotocol.com
/
api
/
v2
/
score
/
address
/
{address}
curl -X POST "https://api.credprotocol.com/api/v2/score/address/vitalik.eth" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"total_asset_usd": 50000}'

{
  "address": "0xd8dA6BF26964aF9D7eEd9e03E53415D37aA96045",
  "score": 870,
  "decile": 8,
  "range": "very_good",
  "model_version": "andromeda_1.0",
  "timestamp": "2024-01-15T10:30:00Z"
}

​
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

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

​
Request Body

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

​
Response

​
address
string
The resolved Ethereum address (checksummed)
​
score
integer
Enhanced credit score between 300 and 1000
​
decile
integer
Score decile from 1 to 10
​
range
string
Score range: low, fair, good, very_good, or excellent
​
model_version
string
The scoring model version (currently andromeda_1.0)
​
timestamp
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
curl -X POST "https://api.credprotocol.com/api/v2/score/address/vitalik.eth" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"total_asset_usd": 50000}'

{
  "address": "0xd8dA6BF26964aF9D7eEd9e03E53415D37aA96045",
  "score": 870,
  "decile": 8,
  "range": "very_good",
  "model_version": "andromeda_1.0",
  "timestamp": "2024-01-15T10:30:00Z"
}

​
When to Use Enhanced Scores

Use enhanced scores for more accurate risk assessment when making lending decisions. The additional identity verification reduces the risk of sybil attacks.
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.