Chain Coverage
One API. Every major chain.
VIZI® reads borrower history across all major L1s and L2s. Your borrowers aren't limited to one chain — and neither are you. Cross-chain activity is aggregated into a single unified score.
One API call returns a 300–850 VIZI® Score in under 15 seconds. Same scale as FICO®. No model retraining. No new decisioning framework. Just a new data source that fits directly into your existing stack.
VIZI® scores the wallet. You own the identity linkage. Compliance responsibility maps cleanly to who holds what.
Applicant submits their wallet address alongside the standard loan application. You collect KYC as normal — identity-to-wallet linkage happens on your side.
Your systemYour system calls POST /v1/score with the wallet address. A 300–850 score with full signal breakdown is returned in under 15 seconds.
Score read against your existing cutoffs. A 720 VIZI® Score signals the same creditworthiness as a 720 FICO® score — no translation layer needed.
Your systemHaving connected identity to wallet, you handle applicable ECOA, adverse action, and any relevant FCRA obligations at this step. VIZI® scored the wallet — you made the credit decision.
Your responsibilityClean compliance handoff. VIZI® scores wallet addresses — pseudonymous on-chain identifiers. No identity linkage is made or required on our end. When you connect a VIZI® Score to an identified loan applicant, FCRA, ECOA, and adverse action requirements apply to your decisioning process at that step. Your compliance counsel should review how VIZI® fits your regulatory framework. We provide a published methodology and full signal breakdown to support any adverse action explanation requirements.
VIZI® is not competing with your existing credit infrastructure. We are adding a new data source to it. Think of the VIZI® Score as a second opinion from a parallel financial system that your current tools cannot see.
You have bureau pulls, income verification, debt-to-income models, fraud checks, and decisioning engines that took years to build and calibrate. None of that changes.
The VIZI® Score adds a single new field to your application data. It answers one question your existing data cannot: what does this borrower's on-chain financial history look like?
In the 1950s, most lending decisions were subjective. A loan officer looked you in the eye, asked about your job, and made a judgment call. That system was inconsistent, biased, and left huge populations invisible to credit markets.
FICO® changed that by reducing traditional financial behavior to a single, standardized number. Suddenly, every lender could speak the same language.
That's exactly what's happening in crypto right now. DeFi borrowers are making and repaying loans every day across dozens of protocols. Their repayment history, collateral management, and financial behavior are all recorded on-chain — permanently, transparently, and verifiably. But without a standardized score, that data is unusable for traditional underwriters.
VIZI® is the translation layer. We read the blockchain the way FICO® reads credit bureau files — and output a number your systems already understand.
They are not edge cases. They are a growing segment of financially sophisticated individuals who happen to operate primarily in crypto. Your competitors are already looking for ways to reach them.
Nearly two billion adults worldwide have no access to traditional banking or credit systems. Many are building financial histories on-chain that no bureau can see.
Almost half of crypto holders in the US are credit-invisible or have thin files. They are actively borrowing and lending on-chain — just not where your systems can see.
Billions of dollars are locked in decentralized lending protocols right now. These borrowers are managing collateral, making repayments, and building credit histories in real time.
Per the FTC, one in four traditional credit reports contains material errors. On-chain data is mathematically verified and cannot be retroactively altered by any party.
Early VIZI® lender partners report significantly higher origination volumes in the crypto-native segment compared to bureau-only underwriting approaches.
Unlike traditional credit pulls that can affect a borrower's score, VIZI® pulls are invisible to the wallet holder. No consent friction, no score impact, no adverse effects.
Millions of creditworthy borrowers have no traditional credit file but years of responsible DeFi borrowing history. VIZI® makes that history legible and actionable for your underwriters.
New segment unlockedThe 300–850 scale is already in your underwriting stack. A VIZI® Score slots in exactly where a FICO® score does. No new thresholds, no new decisioning logic, no new training data needed.
Same scale, zero retrainEvery score includes all 8 signal contributions with individual values and weights. Your loan officers see exactly what drove the number — and every weight is published in the public methodology whitepaper.
8 signals returnedReal-time OFAC SDN and OFSI screening runs on every score pull. Flagged addresses return a compliance alert before you make any decision. One less vendor to manage for crypto-specific AML.
Every pull, includedA borrower's on-chain history updates with every block. Unlike traditional bureau data on a 30-day reporting cycle, the VIZI® Score reflects the wallet's state as of the moment of the pull.
Block-level freshnessCrypto-native borrowers are choosing lenders that understand their history. Being an early VIZI® adopter means reaching this growing segment while competitors are still declining them.
First-mover advantageThe lender API is RESTful with predictable JSON responses. Full SDK available in Python, Node.js, and Go. Sandbox available from day one.
All tiers include the full score, all 8 signals, and OFAC screening. Enterprise contracts available with SLA guarantees and dedicated infrastructure.
All prices exclude applicable taxes. Enterprise contracts negotiated directly. Contact our lender team →
The same API, the same score — but the integration pattern varies depending on your lending model. Here's how different lender types are deploying VIZI® today.
Use VIZI® scores to offer under-collateralized loans to high-score wallets. A 720+ VIZI® Score can reduce collateral requirements from 150% to 110%, unlocking capital efficiency for your best borrowers while maintaining portfolio safety.
Supplement bureau data for crypto-native applicants who hold significant digital assets but have thin traditional files. VIZI® provides evidence of financial responsibility that manual bank statement reviews miss entirely.
Pre-qualify crypto-native applicants for card products using on-chain credit history. VIZI® enables issuers to reach a segment that would otherwise be declined at the application stage due to no bureau file.
Accept crypto income and on-chain credit history as supplementary evidence for auto loan applications. VIZI® scores help auto lenders expand their addressable market without increasing portfolio risk.
Give individual lenders on P2P platforms a standardized way to evaluate borrower risk. VIZI® replaces ad-hoc wallet inspection with a single number that both sides of the marketplace understand.
Score institutional counterparties and fund wallets for margin and lending facilities. VIZI® Institutional Scores provide enterprise-grade risk assessment for treasury and fund-level wallets with complex on-chain activity.
VIZI® reads borrower history across all major L1s and L2s. Your borrowers aren't limited to one chain — and neither are you. Cross-chain activity is aggregated into a single unified score.
VIZI® was designed with the compliance requirements of regulated financial institutions in mind from day one.
Every signal weight, data source, and scoring rule is documented in the public VIZI® Score Methodology Whitepaper. Regulators and auditors can inspect the model. No black box to defend in an exam.
Real-time sanctions screening is built into the score API response — not a separate endpoint. Flagged wallets return a compliance alert with the matched list and flagged address details.
VIZI® infrastructure is SOC 2 Type II certified. Security, availability, and confidentiality controls are independently audited annually. Audit reports available to enterprise partners under NDA.
The full signal breakdown returned on every score pull supports adverse action explanation requirements. Individual signal scores and weights are provided for each factor that contributed to the outcome.
The line between VIZI®'s responsibility and yours is clear by design. We built the system so that sensitive identity data never crosses the boundary.
Zero PII storage. VIZI® does not store, process, or transmit any personally identifiable information. The wallet address is the only input. The score, signals, and sanctions status are the only outputs. This architecture means VIZI® is not a consumer reporting agency under the FCRA and does not trigger GLBA data-sharing obligations.
From application to first live score pull, most lenders are integrated in under five business days. Here's what the process looks like.
Submit your lender application. We review your use case, lending model, and compliance posture. Most applications are approved within 24 hours.
Sandbox API keys are issued within 48 hours of approval. Full test environment with synthetic wallets and predictable score responses for integration testing.
Drop the API call into your underwriting flow. SDKs available in Python, Node.js, Go, and Rust. Most integrations take 2–4 hours of developer time.
Swap sandbox keys for production keys. Start pulling real scores on real wallets. Dedicated lender support team available for the first 30 days of production use.
Apply for lender API access. Sandbox key in 48 hours. Live in under a week.
Apply for Lender Access →