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Chains Supported

Cred Protocol aggregates on-chain data across multiple blockchain networks to build comprehensive credit profiles. All chains are queried for transaction history, token balances, NFT holdings, and DeFi activity.
Ethereum and Base have the deepest lending protocol coverage. All chains contribute to transaction history, balance data, and overall activity metrics.

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Lending Protocol Coverage

Cred Protocol tracks borrowing and lending activity across major DeFi protocols. This data directly contributes to the Borrowing History, Wallet Health, and New Credit scoring factors.

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Aave

Positions are read from current token balances. Event history is read from the pool’s on-chain events since deployment, for every asset in the pool, and is returned in the report’s credit_events section.
Collateral tokens tracked: WETH, wstETH, WBTC, USDC, DAI, LINK, AAVE, cbETH, USDT, rETH, LUSD, CRV, MKR, SNX, BAL, UNI, LDO, ENS, 1INCH, FRAX, GHO, RPL, sDAI, STG, KNC, FXS, crvUSD, PYUSD, weETH, osETH, USDe, ETHx, sUSDe, tBTC, cbBTC, USDS, rsETHDebt tokens tracked: All corresponding variable debt tokens for the above assets
Collateral tokens tracked: USDT, WBTC, WETH, YFI, ZRX, UNI, AAVE, BAT, BUSD, DAI, ENJ, KNC, LINK, MANA, MKR, REN, SNX, SUSD, TUSD, USDC, CRV, GUSD, BAL, XSUSHI, RENFIL, RAI, AMPL, PAX, DPI, FRAX, FEI, stETH, ENS, UST, CVX, 1INCH, LUSD

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Compound

Compound events contribute to the score since Andromeda 1.2 and are returned in credit_events with feeds_score: true. Compound V3 has no explicit borrow or repay events: a base-asset withdrawal beyond the supplied balance is recorded as a borrow and a base-asset supply against open debt as a repay. Compound V2 supply-side events are not collected, so its supply and withdraw counts are null.
Collateral tokens tracked (positions): cETH, cUSDC, cDAI, cBAT, cUNI, cZRX, cUSDT, cCOMP, cWBTCMarkets with event history: cBAT, cDAI, cETH, cREP, cUSDC, cUSDT, cWBTC (both), cZRX, cSAI, cUNI, cCOMP, cTUSD, cLINK, cMKR, cSUSHI, cAAVE, cYFI, cUSDP, cFEI

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Morpho

Morpho Blue events contribute to the score since Andromeda 1.4 and are returned in credit_events with feeds_score: true. Morpho Blue is one contract per chain holding every market, so it appears as one pool per chain. Collateral deposits and withdrawals count as supply and withdraw; each event’s asset is the market’s loan or collateral token.Positions: Morpho debt, collateral and supply are not tokens, so they are read from the Morpho contract for every market the wallet has used. Debt counts in total_debt_usd and as an active loan; collateral and supply count in total_collateral_usd. Debt is as of the market’s last update, so interest accrued since then is not included. Positions worth under $0.01 are ignored.

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Additional Data Sources

Beyond lending protocols, Cred Protocol analyzes additional on-chain data that contributes to the Trust, Wallet Composition, and Interactions scoring factors.

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Identity & Reputation

These attestations contribute to the Trust factor:

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Asset & Activity Data

These metrics contribute to the Wallet Composition, Wallet Health, and Interactions factors:
Cred Protocol tracks holdings in the following stablecoins:USDT (Tether), USDC (USD Coin), DAI, FDUSD (First Digital USD), USDD, PYUSD (PayPal USD), TUSD (True USD), USDe (Ethena), FRAX, USDY (Ondo), USDB, USDJ, EURS (STASIS EURO), USTC (TerraClassicUSD), USDP (Pax Dollar), EURC, LUSD (Liquity USD), GUSD (Gemini Dollar), cUSD (Celo Dollar), sUSD, GHO

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Payment Networks (x402)

Cred Protocol supports x402 payment authentication, allowing instant API access by paying per request with USDC — no account required. The following networks are supported for x402 payments:
SKALE offers zero-gas transactions with sub-second finality, making it ideal for high-frequency micropayments. See the authentication guide for integration details.

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Coming Soon

We’re continuously expanding coverage. Planned additions include:

More Lending Protocols

Spark, Euler, and other major lending markets

Additional Chains

zkSync, Mantle, and emerging L2s

Coinbase Developer Platform Protocols

MakerDAO, Liquity, and collateralized debt positions

Perp & Options

Perpetual and options protocol activity
Have a protocol or chain you’d like us to support? Contact us to request coverage.