VIZI® is the FICO® Score for crypto — a universal 300–850 credit score built from verified blockchain history. We define the standard. Wallets display it. Lenders accept it. We never touch a loan.
FICO® doesn't make loans. VantageScore® doesn't hold your money. VIZI® doesn't touch transactions. We publish the methodology, run the infrastructure, and license the score — to wallets that display it, lenders that accept it, and consumers who own it.
Years of wallet activity, DeFi repayments, consistent stablecoin flows — that's a credit history. VIZI® converts it into a 300–850 score any lender can accept.
Check my free scorePull a VIZI® Score the same way you pull FICO® — one API call. Use it alongside traditional bureaus, or as the primary file for crypto-native applicants.
Lender integration guideDisplay the VIZI® Score natively inside any wallet. Gate premium features behind score tiers. Your users already earned it — you just surface it.
View API documentationEvery weight is published. Every signal is derived exclusively from verifiable on-chain data — no self-reported income, no off-chain claims. If the blockchain didn't record it, it doesn't count.
The single most predictive signal — mirrors FICO®'s payment history factor. Scored from verifiable repayment records on Aave, Compound, MakerDAO, Euler, and other lending protocols. Full repayments on schedule score positively. Partial repayments, missed deadlines, and interest-only rollovers score negatively. Each repayment event is timestamped and immutable.
Hard negative events only — analogous to bankruptcies and charge-offs in traditional credit. Every liquidation event on any DeFi lending protocol is recorded permanently on-chain and carries significant score penalties. Proximity to liquidation thresholds without actual liquidation also scores negatively. A clean liquidation record is one of the strongest positive signals in the model.
Age of the oldest verified transaction on any scored chain, weighted by continuous activity. A wallet created three years ago with consistent monthly activity scores far higher than one created last week or dormant for 18 months. Age without activity does not score well — this signal rewards sustained, real-world usage over time.
The on-chain equivalent of credit utilization. Scored from historical and current loan-to-value (LTV) ratios across all active and closed DeFi lending positions. Borrowers who consistently maintain conservative collateralization ratios — well above protocol minimums — score higher. Chronic high-leverage positions score lower regardless of whether liquidation occurred.
The on-chain analog to cash reserves and net worth in traditional underwriting. Scored from average stablecoin and blue-chip asset balances (ETH, BTC, SOL) held across wallet history — not a single snapshot. A borrower with consistently maintained liquidity over 12+ months demonstrates repayment capacity independent of their borrowing activity. Sudden large deposits immediately before a loan application are detected and discounted.
Real-time screening against OFAC SDN lists, OFSI designations, and known illicit clusters — including mixer services, exploit-associated addresses, and darknet-linked wallets. Direct interaction is a hard negative. Indirect exposure is scored on proximity and whether the interaction was likely knowing. Wallets with confirmed sanctions exposure cannot score above 499.
Regular, recurring inflows as a proxy for repayment capacity. Scored from verifiable on-chain income signals: stablecoin payroll streams (Superfluid, Sablier), consistent DeFi yield claims, regular peer-to-peer inflows on a predictable schedule, and staking reward patterns. Irregular lump-sum inflows score lower than consistent periodic flows.
Breadth of responsible protocol usage across lending, savings, and payments. Interaction with audited, established protocols (Uniswap, Aave, Compound, Lido) scores positively. Concentration in unaudited or failed protocols scores negatively. NFT speculation and memecoin trading activity are excluded from scoring entirely.
Same scale as FICO® and VantageScore®
One API call. A score your underwriting team already understands. Use alongside traditional bureau pulls, or as the primary file for applicants with verified on-chain history.
Read-only access via Coinbase, OKX, MetaMask, or any wallet. No private keys. No funds at risk. Ever.
Coinbase and OKX users are already KYC'd. With consent, name, address, and SSN are available via OAuth — no second KYC. Same mechanism Plaid uses for bank accounts.
Returns 300–850 with full signal breakdown in under 800ms. Plugs into your existing underwriting workflow.
VIZI® is the score. You are the lender. Adverse action rights apply exactly as they do for any FICO® or VantageScore® pull.
Loan types where lenders use the VIZI® Score today
VIZI® operates as a consumer reporting agency. Adverse action rights, dispute mechanisms, and permissible purpose requirements apply.
Read-only wallet access only. No private keys stored. No funds at risk. Annual third-party security audits available to enterprise partners.
Every VIZI® Score includes real-time OFAC screening. AML/KYT compliance built in — not bolted on — for every institutional pull.
No SSN required for the score itself. Valid in 195 countries. Supports lenders serving the 1.4B people with crypto history but no traditional credit file.
Paste any wallet address. Get your full VIZI® Score — 300 to 850 — with a complete breakdown of every signal. No account required.