Hundreds of millions of people have built verifiable financial histories on public blockchains. That history is invisible to every lender on Earth. We are building the infrastructure to change that — one score, one integration, one lender at a time.
The blockchain has been keeping immutable financial records since 2009. Every loan repaid, every liquidation survived or suffered, every year of consistent on-chain activity — all of it is permanently, publicly verifiable.
But lenders can't use it. There is no standard. A crypto-native borrower with four years of perfect DeFi repayment history applies for a personal loan and gets the same form letter as someone with no financial history at all. Their on-chain record is invisible because no one has built a language that translates it into a number lenders already know.
VIZI® is that language. We built a scoring system that reads on-chain history the same way FICO® reads traditional credit history — producing a 300–850 score that lenders can plug directly into their existing underwriting stacks. No model retraining. No new decisioning logic. Just a new data source for a population that's been invisible for too long.
Every signal weight and scoring rule is published. Regulators can inspect the model. Borrowers know exactly what moves their score. No black boxes — ever.
We score wallet addresses, not people. No identity linkage, no consumer files, no surveillance. Creditworthiness without the surveillance that comes with it.
We will not include data that doesn't predict creditworthiness. NFT speculation, memecoin trading, raw transaction count — excluded. Every signal earns its weight.
We built an open standard, not a closed marketplace. We score. Lenders decide. We never originate loans, hold funds, or benefit from lending outcomes.
The VIZI® Score exists to help creditworthy people get credit they currently can't access — not to create new barriers for people who are already underserved.
We track what actually matters: default rates on VIZI-scored loans, approval rates on previously invisible borrowers, and compliance events caught. Score quality is the product.
Our team combines credit bureau veterans, DeFi protocol engineers, fintech compliance specialists, and data scientists who have spent careers at the intersection of risk and financial infrastructure.
VIZI® is backed by investors with deep experience in credit infrastructure, blockchain data, and regulated financial services.
VIZI® is hiring and always looking for the right partners. Reach out — we read every application personally.