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Cred Protocol is continually ingesting on-chain data to train and test our credit models. This page contains the main highlights of each model version update.

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Andromeda 1.2

September 2026 Andromeda 1.2 extends borrowing history to Compound. What changed:
  • Repayment and liquidation history on Compound V3 (Comet) on Ethereum and Base, and on Compound V2 on Ethereum, now contributes to the Borrowing History and Wallet Health factors in the same way as Aave
  • 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 liquidations are recorded once, as liquidations; the repayment the protocol books internally during a liquidation is not counted as a voluntary repayment
  • credit_events.pools[] gains market and feeds_score
What did not change:
  • The model’s weights and score range are the same as Andromeda 1.1
  • Addresses with no Compound borrowing history receive the same score as before
Responses report model_version: "andromeda_1.2".

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Andromeda 1.1

September 2026 Andromeda 1.1 adds borrowing behaviour read directly from lending-protocol events. Scores now reflect what an address has done with its loans, in addition to what it currently holds. What changed:
  • Repayment and liquidation history on Aave V2 and V3 (Ethereum) and Aave V3 (Base) now contribute to the Borrowing History and Wallet Health factors
  • Addresses that borrowed and repaid in the past are recognised as having credit history, even if they hold no open positions today
  • Liquidations lower the score; each additional liquidation lowers it further
  • Repayments raise the score, with diminishing effect, so a large number of repayments cannot inflate it
  • Reports include a new credit_events section with per-pool event counts and coverage
What did not change:
  • The model’s weights and score range (300-1000) are the same as Andromeda 1.0
  • Addresses with no Aave borrowing history receive the same score as before
Responses report model_version: "andromeda_1.1".

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Andromeda 1.0

December 2024 We are excited to announce the release of Andromeda 1.0, a major new generation of the Cred Score model. This release represents a significant advancement in on-chain credit scoring with improved accuracy and expanded coverage. Key improvements:
  • Enhanced multi-chain analysis across 10 supported networks
  • Improved scoring factors: Borrowing History, Wallet Composition, Wallet Health, Interactions, Trust, and New Credit
  • Better detection of identity attestations including ENS, Gitcoin Passport, and POAPs
  • Expanded lending protocol coverage for Aave V3 on Base
  • More accurate evaluation of stablecoin holdings and portfolio diversity
  • Refined time-weighting algorithms for more current score assessments

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v1.5.1

28 Dec 2023 The latest model has been updated to better reward accounts with stable token composition in their wallets. We have also addressed a small bug for accounts on the Celo blockchain.

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v1.5.0

09 Sept 2023 The Cred Score, Report and Summary API now have complete coverage of non-lending behaviour on Celo. Accounts with activity on Celo will now have this taken into account in their score and report.

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v1.4.6

30 Aug 2023 The Cred Score now includes data from Impact Market and Good Dollar on the Celo blockchain. These universal basic income (UBI) protocols enable users to build a financial history, which can then be scored by Cred Protocol.

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v1.4.5

29 June 2023 The Cred Score, Report and Summary API now have complete coverage of borrowing behaviour on Radiant V2 on Arbitrum and Binance Smart Chain.

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v1.4.4

6 June 2023 The latest model release considers limited or no-borrowing history more conservatively resulting in declines in Cred Score for these accounts. Overall, the score is slightly more conservative for the majority of accounts.

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v1.4.3

24 May 2023 We have adjusted the time-weighting of Cred Scores. This feature applies a decay factor to events based on their recency, resulting in more up-to-date scores. By reducing the weight of past events, we provide you with more relevant and contextually accurate scores.

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v1.4.2

17 May 2023 The Cred Score, Report and Summary API now have complete coverage of borrowing behaviour on Banker Joe on Avalanche.

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v1.4.1

11 May 2023 The Cred Score, Report and Summary API now have complete coverage of borrowing behaviour on Geist Finance on Fantom.

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v1.4.0

9 May 2023 We are happy to announce that the Cred Score, Report and Summary APIs are now cross-chain for all accounts with activity on Polygon! To do this, we have integrated new non-lending features on Polygon.

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v1.3.4

13 April 2023 The Cred Score, Report and Summary API now have complete coverage of borrowing behaviour on Iron Bank Protocol on Avalanche, Ethereum and Fantom.

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v1.3.3

6 April 2023 The Cred Score, Report and Summary API now have complete coverage of borrowing behaviour on Iron Bank Protocol on Avalanche.

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v1.3.2

30 March 2023 The Cred Score, Report and Summary API now have complete coverage of borrowing behaviour on Venus Protocol.

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v1.3.1

28 March 2023 The latest model considers limited- or no- borrowing history more conservatively resulting in ~5-10 point decline in Cred Score. We have also introduced a new non-lending feature that rewards accounts with substantial cross-chain activity.

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v1.3.0

27 March 2023 The Cred Score, Report and Summary API now have complete coverage of non-lending behaviour on Optimism. Accounts with activity on Optimism will now have this taken into account in their score and report.

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v1.2.1

24 March 2023 The Cred Score, Report and Summary API now have complete coverage of borrowing behaviour on Vesta Finance.

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v1.2.0

22 March 2023 We are happy to announce that the Cred Score model is now cross-chain for all of its non-lending features. Accounts with transactions on Arbitrum will now have this activity reflected in the score. To do this, we have integrated new non-lending features on these chains to enable a cred score for any account regardless of whether they have borrowing history or not.

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v1.1.5

20 March 2023 The Cred Score model now has coverage of borrowing behaviour on Radiant v1 on Arbitrum.

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v1.1.4

17 March 2023 The Cred Score model has been updated to greater reward borrowers that have made multiple regular repayments on their loans. This change underlines our commitment to incentivise and reward borrowers who are active custodians of creditworthiness.

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v1.1.3

9 March 2023 The Cred Score model now has coverage of borrowing behaviour on Liquity.

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v1.1.2

2 March 2023 The Score model now has complete coverage of borrowing behaviour across all chains for Aave v3 (Arbitrum, Avalanche, Fantom, Optimism, Polygon & Ethereum).

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v1.1.1

22 February 2023 The Score is now informed by borrowing history on the recently launched Aave V3 on Ethereum. In addition, the score now also assesses the liquidity of tokens in a wallet. A more conservative approach has been taken to users with limited or no borrowing history resulting in a ~25 point decline in the Cred Score.

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v1.1.0

14 February 2023 The latest upgrade to our crypto credit score model now features support for MakerDAO protocol. As one of the earliest and most prominent protocols in the cryptocurrency space, we recognise its significance in shaping the industry. With this addition, our credit scoring system ingests data from MakerDAO, Aave V2, Compound V2 and Teller V2, providing a more comprehensive score.

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v1.0.6

10 February 2023 The latest model considers limited- or no- borrowing history more conservatively resulting in ~25 point decline in Cred Score. Informed by transaction and borrowing activity associated with capital-efficient and under-collateralized lending, the consequence of loan “default” now has an even greater effect on creditworthiness.

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v1.0.5

3 January 2023 Enhanced evaluation of loan liquidations, delinquencies and defaults, resulting in lower scores for accounts associated with these events.

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v1.0.4

16 December 2022 Update in model parameters to slightly boost the Cred scores of those with strong lending history and significantly reduce scores of those with limited lending history and/or sequential liquidations. Fix on errors for accounts with both Aave V2 Ethereum and Teller V2 Ethereum / Polygon history.

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v1.0.3

2 December 2022 Inclusion of new features related to the quality of tokens within the wallet. A tweak in how we assess accounts with no borrowing history. The new model places more emphasis on previous borrowing history and so those accounts without borrowing history have seen their scores fall 10-14%.

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v1.0.2

8 November 2022 Significant upgrades to the universal feature set which is greatly expanded to improve wallet creditworthiness evaluation and increase accuracy. The model now takes into account attributes covering a wide variety of factors.

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v1.0.1

9 September 2022 Merging of the previous multi-track model into the universal Cred Score model which retains the strong predictive power for borrowing-related outcomes but also capitalizes on the flexibility offered by the universal feature set.

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v1.0.0

7 July 2022 Initial release of the Cred Score model.