Original research on on-chain credit, DeFi lending behavior, crypto-native borrower profiles, and the infrastructure of the next credit system.
New research, data reports, and methodology updates — delivered monthly. No noise.
A complete technical specification of the VIZI® Score: all 8 signal definitions, weighting methodology, data sources, validation datasets, known limitations, and the scoring algorithm's approach to edge cases including wallet clustering, sudden deposits, and cross-chain identity. Required reading for any lender integrating the score.
We analyzed 4.2 million wallets with at least one DeFi loan event over a 36-month window. Repayment rates, liquidation triggers, and what separates borrowers who default from those who don't.
Using anonymized data from three lender partners, we quantify the approval gap between crypto-native applicants and traditional applicants with equivalent risk profiles — and what it costs lenders to ignore it.
A practical compliance primer for regulated lenders evaluating on-chain credit data. Covers identity-to-wallet linkage, adverse action requirements, and the two-track architecture that keeps compliance obligations clean.
A predictive model trained on 18 months of Aave, Compound, and Maker liquidation events. The collateral health signal is the strongest 30-day predictor — and it's available in real time from the chain.
Age of first transaction is the on-chain analog of length of credit history — and it's just as predictive. We show why wallet age outperforms raw transaction count as a creditworthiness signal by a factor of 3.8×.
The same person often holds wallets on 3–5 chains. How does VIZI® approach cross-chain identity aggregation without creating a surveillance tool? The methodology, the tradeoffs, and where we draw the line.
A practical breakdown of every signal in the VIZI® Score — what moves it, what doesn't, how fast changes propagate, and what actions have the highest impact per unit of effort.
Quarterly snapshot of VIZI® score distributions across all covered chains, approval rate trends at integrated lenders, and emerging scoring signal patterns from the past 90 days of on-chain activity.
Complete technical specification: all 8 signals, weights, data sources, validation, and edge case handling. Available to all registered partners.