How wallets, lenders, and exchanges use the VIZI® Score to drive retention, expand addressable markets, and consolidate compliance overhead.
A top-five non-custodial mobile wallet integrated the VIZI® Score as a native tab inside their app. Users see their score, history chart, and signal breakdown without leaving the wallet.
Wallet retention is inherently tied to market conditions — users disengage during bear markets when there is nothing to do. The wallet needed a retention mechanism independent of price action.
VIZI® Score tab embedded natively in the wallet using the drop-in React component. Real-time score updates, 90-day history chart, and a personalized improvement action plan surface inside the wallet every time a user opens it.
30-day churn dropped 41% in the cohort of users who engaged with the score. Weekly active users on score-enabled accounts ran 3.2× higher than the control group over a 90-day period. Lender referral commissions in month three exceeded the total API cost for the year.
A DeFi-adjacent personal loan lender was declining roughly 40% of crypto-native applicants for lack of traditional credit history. VIZI® gave them a complementary signal for this exact segment.
Crypto-native borrowers frequently have years of responsible DeFi borrowing history but thin or nonexistent traditional credit files. Standard bureau pulls returned no data, forcing blanket declines for a creditworthy segment.
The lender added a single API call to their loan application flow. Applicants who submit a wallet address receive a VIZI® Score alongside the bureau pull. Underwriters use both signals, with the VIZI® Score carrying primary weight for applicants with thin bureau files.
Approval rates on thin-file applicants increased 38% in the 6 months post-integration. The VIZI®-scored loan cohort has shown a default rate under 0.8% — well below the lender's portfolio average for comparable loan sizes.
A centralized exchange managing compliance across three separate AML vendors unified their sanctions and risk screening under a single VIZI® Exchange API integration.
Three separate AML vendors — one for OFAC, one for transaction graph analysis, one for community fraud reports — created redundant infrastructure, conflicting alert formats, and compounding monthly costs with no unified risk view.
The exchange migrated to the VIZI® Exchange API, which consolidates OFAC SDN, OFSI, Chainalysis, and Chainabuse screening into a single API response alongside the on-chain credit score. Compliance alerts now arrive in one format, from one endpoint, with one contract to manage.
Compliance infrastructure costs dropped 60% in the first quarter post-migration. The exchange's compliance team now operates from a single alert dashboard with no format normalization overhead. OFAC and OFSI coverage is maintained at 100% with improved latency.
A hardware wallet manufacturer added VIZIScan® Pro score monitoring to their companion app, creating a recurring SaaS revenue stream on top of a historically one-time-purchase business.
Hardware wallet revenue is inherently lumpy and one-time. The companion app had strong monthly active users but zero recurring revenue. Adding a subscription layer required a feature users would pay for monthly — not just at purchase.
VIZIScan® Pro was embedded as the premium tier of the companion app. Free users get a single-wallet score. Pro users get multi-wallet tracking, real-time alerts, collateral health monitoring, and a lender-ready PDF score report — all white-labeled under the hardware brand.
18% of free users who engaged with the score upgraded to Pro within 30 days. $280K ARR in the first 90 days from a user base that had never been monetized with recurring revenue. The feature earned a 4.8-star rating in the companion app store listing.
A licensed consumer fintech lender added VIZI® as an optional supplementary signal for applicants who self-identified as crypto holders, without modifying their core underwriting stack.
The lender's loan officers were seeing an uptick in crypto-native applicants with bureau scores in the 600s but strong income and no missed traditional payments. Leadership wanted to expand into this segment without a model overhaul.
VIZI® was added as an opt-in field in the application flow. Applicants who provide a wallet address receive a supplementary VIZI® Score that loan officers use alongside the bureau score. The 300–850 scale meant no new training for underwriters — they applied the same mental model they already used.
A derivatives-focused exchange applied VIZI® scores to gate access to higher leverage multipliers, restricting max leverage for accounts with collateral health signal scores below threshold.
High forced liquidation rates were damaging user relationships and creating cascading market impact events during volatile periods. The exchange needed a pre-emptive signal for which users were likely to manage leverage responsibly.
VIZI® collateral health and liquidation record signals — the two most predictive factors for margin behavior — were used to gate leverage tiers. Users with scores above 700 receive full leverage access. Users with lower scores have leverage capped at lower multiples with a clear path to unlock higher tiers.
Forced liquidations dropped 29% in the 90 days post-launch. Average position hold time increased 14%, suggesting users who qualify for higher leverage are managing it more thoughtfully. The exchange also saw a 7% uptick in users checking and improving their scores to unlock higher tiers.
Apply to the VIZI® partner network. Sandbox key in 48 hours. Results you can measure in 90 days.