Millions of creditworthy borrowers hold their wealth on-chain. Traditional credit bureaus can't see it. VIZI partners with mortgage lenders to deliver a standardized 300–850 credit signal for applicants whose income and assets live on the blockchain.
A borrower with $2M in staked ETH and five years of perfect DeFi repayment history looks identical to a borrower with zero assets in a traditional credit pull. That's not a data gap—it's a revenue gap.
Crypto-native professionals—freelancers, DAO contributors, protocol developers, early investors—often have non-traditional income streams that don't generate W-2s or bank statements. Without bureau history, they're automatically classified as high-risk, regardless of their actual financial behavior.
A real scenario: applicant holds $2M in diversified DeFi positions with 5 years of on-time loan repayments across Aave, Compound, and Maker. Traditional bureau pull returns a 620 thin-file score. VIZI Score: 781.
The crypto-native demographic skews high-income and high-net-worth—exactly the borrower profile mortgage lenders want. Every declined crypto-wealthy applicant is a lost origination fee, a lost servicing relationship, and a referral that goes to a competitor.
VIZI doesn't replace your existing credit infrastructure. We partner with lenders to layer on-chain data alongside traditional bureau scores—so your underwriters see everything.
A 750 VIZI Score means the same thing as a 750 FICO in terms of relative risk positioning. Drop it into your existing decision matrix alongside traditional scores for a complete borrower picture. No new training, no new workflows—just better data.
A single VIZI API response gives your underwriters asset verification, income streams, behavioral scoring, and full factor breakdown.
Real-time portfolio valuation across all major chains. See total on-chain net worth broken down by liquid tokens, staked positions, LP tokens, NFT holdings, and vested allocations. Cryptographically verified—no self-reported data.
Recurring on-chain income mapped and categorized: staking rewards, yield farming returns, protocol salary payments, DAO contributor compensation, and validator rewards. Monthly income estimation with 12-month history and trend analysis.
The 300–850 VIZI Score with full factor breakdown: repayment history (28% weight), liquidation events (19%), wallet age (15%), collateral ratios (12%), average balance (10%), and more. Each factor includes contribution weight.
Sanctions screening, mixer/tumbler interaction detection, smart contract risk exposure, and protocol diversity metrics. All in one structured JSON response that maps to standard credit report fields.
Every score includes wallet addresses analyzed, blockchain data sources consulted, score factors computed, and model version used. Full reproducibility for compliance review and regulatory examination.
Data quality indicators for each wallet: transaction count, history depth, chain coverage, and data completeness percentage. Your underwriters know exactly how much to weight the VIZI Score for each applicant.
Mortgage is the most regulated lending vertical. VIZI's scoring methodology is transparent, auditable, and designed to satisfy OCC, CFPB, and GSE governance requirements from day one.
VIZI Scores are based exclusively on financial behavior—never demographics, geography, or protected class information. Our model documentation is available under NDA for fair lending audits. We test for disparate impact across all protected categories and publish annual fairness reports.
Borrower consent flows meet ECOA and FCRA-adjacent disclosure requirements. Only public wallet addresses that the borrower consents to scoring are analyzed. No private keys are ever shared or stored.
Every data point in a VIZI Score is cryptographically verifiable on the blockchain. No forged bank statements, no fabricated employment letters. The borrower's financial history is independently auditable.
VIZI never stores personally identifiable information. Scores are generated from public blockchain data that borrowers explicitly consent to share.
VIZI processes public wallet addresses only. No names, no SSNs, no dates of birth. Your compliance team doesn't need to worry about another PII data store.
Scores are only pulled when the borrower explicitly connects their wallets through a secure consent flow during the application process. No background checks, no surprise pulls.
Score data is returned only to the requesting lender through encrypted API channels. Borrower data is never shared with third parties, sold, or used for marketing.
No rip-and-replace. VIZI integrates with Encompass, Byte, Calyx, and other major loan origination systems. Most partners go live within two weeks.
During the application, borrowers who hold crypto connect their wallet addresses through our secure consent flow. Multiple wallets across multiple chains for a comprehensive score.
Our engine analyzes years of on-chain transaction history across all connected wallets. In under 200ms, it produces a full score with factor breakdown and confidence metrics.
The VIZI Score report appears alongside the traditional credit pull in your loan origination system. Our response format maps directly to standard credit report fields.
Your team uses the VIZI Score as supplementary data—strengthening thin files, validating crypto income, or providing additional context for borderline applications.
VIZI partners with mortgage lenders on a transparent, performance-aligned model. Our data works alongside yours to unlock a borrower segment that's been invisible until now.
No licensing fees, no minimum commitments. You pay per API call only when you pull a VIZI Score during underwriting. Volume-based pricing means the cost drops as your usage grows.
Our REST API is designed for LOS integration. Dedicated integration engineers walk your team through setup, testing, and go-live. Most partners are originating with VIZI data within 14 days.
Every mortgage partner gets a dedicated account manager, priority engineering support, and quarterly business reviews. We treat your success as our success.
Test against sample borrower profiles across every score tier before going live. Realistic financial histories, edge cases, and stress scenarios. Validate your decision logic end-to-end.
VIZI aggregates on-chain data across 15+ chains so your borrower's full crypto portfolio is captured—regardless of where they transact.
Join the mortgage lenders already using VIZI Scores to approve qualified borrowers that traditional bureaus miss. Zero upfront cost, two-week integration.
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