The Score Lender Integration Partner Benefits API Access Research Apply to Partner
For Lenders

Your borrowers have
on-chain credit history.
Now you can read it.

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.

Apply for Lender API Access → View API Docs
<15s
Score delivery
from API call
300–850
Same scale
as FICO®
9+
Blockchains
covered
8
Signals returned
per pull
POST /v1/score — 200 OK — 11.3s
{ "wallet": "0x71C7...976F", "chain": "ethereum", "score": 724, "grade": "Very Good", "signals": { "repayment_history": { "score": 88, "weight": 0.28 }, "liquidation_record": { "score": 95, "weight": 0.19 }, "wallet_age": { "score": 76, "weight": 0.15 }, "collateral_health": { "score": 71, "weight": 0.12 } }, "sanctions": { "status": "clear", "screened_at": "2025-09-14T18:22:01Z" }, "scored_at": "2025-09-14T18:22:12Z" }
How It Works

The lender workflow end-to-end

VIZI® scores the wallet. You own the identity linkage. Compliance responsibility maps cleanly to who holds what.

→
1

Borrower applies

Applicant submits their wallet address alongside the standard loan application. You collect KYC as normal — identity-to-wallet linkage happens on your side.

Your system
→
2

API score pull

Your system calls POST /v1/score with the wallet address. A 300–850 score with full signal breakdown is returned in under 15 seconds.

VIZI® API
→
3

Underwriting decision

Score read against your existing cutoffs. A 720 VIZI® Score signals the same creditworthiness as a 720 FICO® score — no translation layer needed.

Your system
4

Your compliance obligations

Having 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 responsibility
⚖

Clean 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.

Why Lenders Integrate

Six reasons to add
the VIZI® Score today

👥

Reach the creditworthy invisible

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 unlocked
⚡

No model retraining

The 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 retrain
📋

Transparent signal breakdown

Every 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 returned
✅

OFAC screening at no extra cost

Real-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, included
🔥

Real-time, not monthly

A 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 freshness
📈

Competitive differentiation

Crypto-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 advantage
Integration

One call. Everything you need.

The lender API is RESTful with predictable JSON responses. Full SDK available in Python, Node.js, and Go. Sandbox available from day one.

cURL
curl -X POST https://api.vizi.com/v1/score \ -H "Authorization: Bearer YOUR_API_KEY" \ -H "Content-Type: application/json" \ -d '{ "wallet": "0x71C7656EC7ab88b098defB751B7401B5f6d8976F", "chain": "ethereum", "include_signals": true, "include_sanctions": true }'
Python
import vizi client = vizi.Client(api_key="YOUR_API_KEY") score = client.score.get( wallet="0x71C7656EC7ab88b098defB751B7401B5f6d8976F", chain="ethereum", include_signals=True ) # score.value → 724 # score.grade → "Very Good" # score.signals → {repayment_history: {score: 88, weight: 0.28}, ...} # score.sanctions → {status: "clear", screened_at: "2025-09-14T18:22:01Z"} if score.sanctions.status == "flagged": decline_application(reason="sanctions_exposure") elif score.value >= 650: proceed_to_underwriting(score)
Lender Pricing

Volume-based, transparent pricing

All tiers include the full score, all 8 signals, and OFAC screening. Enterprise contracts available with SLA guarantees and dedicated infrastructure.

Tier
Price / pull
Monthly volume
SLA
Standard
$2.00
1–4,999 pulls
99.5% uptime
Growth
$0.75
5,000–49,999 pulls
99.9% uptime
Enterprise
$0.25–$0.50
50,000+ pulls
99.95% + dedicated infra
Bulk / Batch
From $0.05
Pre-purchased credits
Async delivery

All prices exclude applicable taxes. Enterprise contracts negotiated directly. Contact our lender team →

Compliance

Built for regulated lenders

VIZI® was designed with the compliance requirements of regulated financial institutions in mind from day one.

📋

Published methodology

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.

✅

OFAC + OFSI on every pull

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.

🔒

SOC 2 Type II

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.

⚖

Adverse action support

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.

Start underwriting
on-chain borrowers.

Apply for lender API access. Sandbox key in 48 hours. Live in under a week.

Apply for Lender Access → View API Docs