Score breakdown
| Factor | Max | Your points |
|---|
Score sensitivity to liquidation count
Repayment history, collateral health, wallet age and protocol diversity held at your current inputs — only past liquidation count moves. Liquidations carry up to 25 of the 100 available points, so each one drags the score hard.
| Liquidations | Liquidation points | Total score | Tier |
|---|
A wallet's own track record, not the token it's holding
The token rug-pull risk score calculator answers a different question from this one: is this specific token about to be rugged, based on liquidity depth, holder concentration, LP lock and age — all properties of the asset. This calculator scores the wallet itself, independent of any single token: does this address's own borrowing history — across every protocol and position it has ever touched — suggest it will repay again. None of the five inputs here are about liquidity or holder concentration, because none of that describes the borrower; they're about behavior an address builds over time by repaying, avoiding liquidation, keeping healthy collateral, and using more of the ecosystem.
That distinction matters because DeFi's dominant lending model — post more collateral than you borrow, or get liquidated — treats every wallet identically regardless of history. A wallet with a five-year spotless repayment record across a dozen protocols gets the same 150%+ collateral requirement as a wallet created yesterday, because the protocol has no way to price the difference. Products like Cred Protocol (which scores wallets on a 300-1000 scale echoing a traditional FICO score) and Spectral's MACRO Score — Multi-Asset Credit Risk Oracle, reportedly built from well over 100 machine-learning features trained on millions of historical borrowing events — exist to close that gap, giving undercollateralized or reduced-collateral lending markets a number to underwrite against instead of a flat multiple applied to everyone.
Because the five factors above are already expressed on a common point scale, the "biggest lever" callout is recomputed in your browser on every input change by comparing each factor's earned points to its own maximum — the factor with the lowest percentage of its own cap is flagged, since closing that gap typically moves the total more than the same effort spent on a factor already near full marks. Repayment history and liquidation record together are worth 55 of the 100 points and, unlike wallet age, both can improve immediately with clean behavior rather than needing months to accrue — which is usually where the fastest gains sit.
FAQ
How is the on-chain credit reputation score calculated?
Five weighted factors add up to a 0-100 score: repayment history (up to 30 points — the share of past borrows repaid on time without a liquidation), liquidation count over the last 12 months (up to 25 points, losing 8 points per liquidation event), average maintained health factor or collateral ratio (up to 20 points, reaching full marks at a 2.0 health factor), wallet age (up to 15 points, reaching full marks at 24 months), and the number of distinct lending/DeFi protocols used (up to 10 points, reaching full marks at 5 protocols). The five components are simply added together — they are already expressed on a common 0-100 point basis, so no further weighting is applied.
How does this compare to Cred Protocol or Spectral's MACRO Score?
Cred Protocol and Spectral Finance are the best-known products in this space. Cred Protocol scores wallets on a 300-1000 scale modeled after a traditional FICO score, while Spectral's MACRO Score (Multi-Asset Credit Risk Oracle) reportedly draws on well over 100 machine-learning features across seven categories, trained on millions of historical borrowing events across Ethereum, Polygon and Avalanche to predict the odds of an adverse event in the next 90 days. Neither vendor discloses its exact weighting. This calculator is a transparent, illustrative five-factor model built on the same broad categories — repayment, liquidations, collateral behavior, wallet age, protocol diversity — computed entirely in your browser from numbers you supply, not a live on-chain scan or a copy of either vendor's proprietary formula.
Why does a wallet with no repayment history get 15 out of 30 instead of 0?
Zero borrows repaid is not the same signal as failing to repay — it just means there is no data yet. Scoring it 0/30 would treat an untested wallet identically to one with a track record of missed repayments, which overstates the risk. This calculator defaults the repayment component to a neutral 15 out of 30 (half credit) whenever total repayments is zero, the same way a thin-file borrower gets a starting-point score in traditional underwriting rather than the worst possible one.
What is the fastest way to raise a low score?
The calculator flags your single weakest-scoring factor — the one furthest below its own maximum as a percentage — as the biggest lever, because raising the weakest link usually moves the total score more than the same effort spent on a factor already near its cap. In practice, avoiding a liquidation is almost always worth checking first: it is the only factor that actively subtracts points (8 per event, up to 25 total), while every other factor only adds points more slowly as history accumulates.