Your on-chain history is a credit record.
VIZI scores it.
VIZI® is the FICO® score for crypto — a universal 300–850 credit score built from verified blockchain history. No SSN. No credit bureau. No black-box algorithms. Just your wallet activity, scored transparently.
but no credit score
already accept
a single API call
for your own data
These companies decide your financial future.
Three private corporations — Equifax, Experian, and TransUnion — control whether you get approved for a mortgage, a car loan, an apartment, or even a job. They collect your data from lenders without asking. They score you with secret algorithms. They sell your information to debt collectors, insurance companies, landlords, and employers. And when they lose it — they lose it by the hundreds of millions.
Equifax
SSNs, birth dates, addresses, and driver’s license numbers exposed for 6 weeks before disclosure.
Experian
Repeated breaches including T-Mobile customer data (40M), Brazilian citizen data (220M), and a flaw letting anyone access credit reports.
TransUnion
South Africa breach exposed ID numbers, phone numbers, and credit scores. Hackers demanded $15M ransom.
The credit bureau cartel is broken. 421 million records exposed — and they still operate as the gatekeepers of your financial life.
Blockchain data can’t be breached because it’s already public. Your VIZI® Score is derived from data that’s transparent by design — not data that’s been stolen.
You never agreed to be scored by any credit bureau.
You didn’t sign up. You can’t opt out. And you can’t remove your data — it’s permanently tied to your Social Security number. The moment you opened your first bank account or credit card, the bureaus started building a file on you. That file follows you for life.
Permanently tied to your SSN.
Your credit file is linked to your Social Security number from the day it’s created. You can’t delete it. You can’t transfer it. You can dispute errors — and wait 30 days while your mortgage approval hangs in the balance. The bureaus own your financial identity and there’s nothing you can do about it.
You’re the product, not the customer.
Their algorithms are black boxes. The weights are secret. Your data is packaged and sold to debt collectors, insurance companies, employers, and landlords — all without your permission. You generate the data. They profit from it.
VIZI inverts the model.
You connect your wallet. Your score is derived from behavior you control, on data that’s already public. No SSN. No data broker. No surveillance. You choose who sees it — and you can disconnect anytime.
The FICO® score for crypto.
Built from your wallet, not your SSN.
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.
Your on-chain history is a credit record. Start using 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 scoreReach creditworthy borrowers your models can’t see.
Pull 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 guideGive your users a score. One API call.
Display the VIZI® Score natively inside any wallet. Gate premium features behind score tiers. Your users already earned it — you just surface it.
View API documentationBureau cartel vs. VIZI®
| Equifax / Experian / TU | VIZI® | |
|---|---|---|
| Who owns your data? | They do | You do |
| Can you opt out? | No | Yes — disconnect anytime |
| Has your data been breached? | 421M+ records | Impossible by design |
| Transparent methodology? | Secret weights | All weights published |
| Requires SSN? | Yes | No — wallet address only |
| Works outside the U.S.? | Fragmented by country | 195 countries, one score |
| Score range | 300–850 | 300–850 (identical) |
| Time to build a file | 6+ months | Instant — from existing history |
| Dispute process | 30 days, maybe | On-chain — verifiable instantly |
| Sold to third parties? | Yes — data brokers, collectors | Never. You control access. |
Eight signals.
Blockchain-verified.
Fully transparent.
Every 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.
On-Chain Repayment History
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.
Liquidation & Default Record
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.
Wallet Age & Activity Consistency
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.
Collateral Health & Leverage Ratio
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.
Average Balance & Liquidity Depth
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.
Sanctions & Illicit Exposure
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.
On-Chain Income Consistency
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.
Protocol Diversity & Responsible Engagement
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.
Score Ranges — 300 to 850
Same scale as FICO® and VantageScore®
Pull a VIZI Score the same way you pull FICO.
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.
Applicant connects their wallet
Read-only access via Coinbase, OKX, MetaMask, or any wallet. No private keys. No funds at risk. Ever.
Identity verified via wallet KYC
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.
You pull the VIZI Score via API
Returns 300–850 with full signal breakdown in under 800ms. Plugs into your existing underwriting workflow.
You make the credit decision — not us
VIZI® is the score. You are the lender. Adverse action rights apply exactly as they do for any FICO® or VantageScore® pull.
Where the VIZI Score Is Accepted
Loan types where lenders use the VIZI® Score today
Not a CRA
VIZI® is not a consumer reporting agency under the FCRA. Scores are informational tools for on-chain creditworthiness — not consumer credit reports.
SOC 2 Type II
Read-only wallet access only. No private keys stored. No funds at risk. Annual third-party security audits available to enterprise partners.
OFAC & Sanctions
Every VIZI® Score includes real-time OFAC screening. AML/KYT compliance built in — not bolted on — for every institutional pull.
Global & Borderless
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.
Your score.
Free. In 60 seconds.
Paste any wallet address. Get your full VIZI® Score — 300 to 850 — with a complete breakdown of every signal. No account required.
but no credit score
already accept
a single API call
for your own data