Score Factors Explained
Your VIZI Score is computed from 8 on-chain signals, each with a published weight. Unlike traditional credit bureaus that hide their formulas, we tell you exactly what matters and by how much.
The 8 Scoring Signals
Each signal is independently computed, normalized to a 0–100 scale, multiplied by its weight, and combined to produce your final 300–850 score. The weights sum to 100% and are recalibrated annually.
1. Repayment History
The single most important factor in your VIZI Score. This signal measures whether you repay what you borrow across DeFi lending protocols. VIZI tracks every borrow-repay cycle on Aave, Compound, Morpho, Spark, and other supported protocols. A complete repayment record with no missed cycles produces a perfect signal score. Each incomplete repayment or protocol-forced closure reduces it. The signal weights recent activity more heavily: a clean 6-month repayment streak matters more than a perfect record from two years ago that has gone inactive.
2. Liquidation Events
Liquidations are the most damaging negative event in on-chain credit. When your collateral drops below the required ratio and the protocol seizes it, that liquidation is permanently recorded on-chain. VIZI counts the number of liquidations, their severity (partial vs. full), recency, and the loss amount relative to the position size. A single small partial liquidation from two years ago has minimal impact. Multiple full liquidations in the past 6 months can drop this signal to near zero. There is no way to remove a liquidation from the record — but its impact fades over time as you build positive history.
3. Wallet Age & Activity
How long your wallet has been active on-chain. This is measured from the timestamp of the first transaction on any supported chain, not from when the wallet address was generated. A wallet with 3+ years of continuous activity scores highest. New wallets (under 6 months) receive a lower signal here, which is the primary reason new users start with moderate scores even if all other factors are strong. This signal rewards long-term ecosystem participation and makes it harder to game the system by creating fresh wallets.
4. Collateral Ratios
The real-time health factor of your open lending positions. VIZI calculates the average collateralization ratio across all active borrows. A wallet maintaining 200%+ collateral ratios consistently scores excellently. A wallet that regularly dips close to liquidation thresholds (below 120%) scores poorly. This signal is dynamic — it changes with market conditions and your collateral management decisions. Proactively adding collateral during market downturns is one of the strongest positive signals in the model.
5. Average Balance
The time-weighted average value held in the wallet across all tracked tokens, stablecoins, and LP positions. This is not a snapshot of your current balance — it is an average over the past 12 months. Consistent, stable balances score higher than volatile swings between high and low values. This signal serves as a proxy for financial stability: a wallet that maintains $50K consistently outscores one that fluctuates between $500K and $0. The absolute amount matters less than the consistency.
6. Sanctions / Fraud Flags
VIZI cross-references every scored wallet against OFAC's Specially Designated Nationals (SDN) list, the EU consolidated sanctions list, and other international watchlists. A clean screening produces a full signal score. Any match — direct or through interaction with a sanctioned address — results in an immediate floor score of 300 regardless of all other factors. This is a binary signal: you either pass or fail. Indirect exposure (transacting with a wallet that later appears on a sanctions list) may produce a partial reduction rather than a hard floor.
7. Verified Income Proxies
Measures the regularity of inbound value flows to your wallet. Regular, predictable inflows — such as yield farming rewards, staking returns, protocol salaries (DAO contributor payments), or consistent trading profits — indicate stable income. Wallets that receive large, irregular deposits followed by long periods of inactivity score lower. This signal helps distinguish between active DeFi participants with ongoing economic activity and wallets that received a one-time airdrop or transfer.
8. Protocol Diversity
The number of distinct protocols and chains your wallet has meaningfully interacted with. A wallet active across Aave, Compound, Uniswap, and Lido on both Ethereum and Polygon demonstrates broader ecosystem engagement than one that only uses a single protocol on a single chain. This is the lowest-weighted signal because diversity alone does not indicate creditworthiness — but it provides a useful secondary indicator of sophistication and ecosystem commitment.
How Signals Combine
Each of the 8 signals is normalized to a 0–100 scale. The normalized score is multiplied by the signal's weight, and all weighted scores are summed. This produces a raw composite that is then mapped to the 300–850 VIZI Score range using a linear transformation. A perfect score across all signals yields 850. A zero across all signals yields 300.
The weights sum to 100% and are fixed across all score types. They are recalibrated annually based on empirical analysis of which signals best predict DeFi default risk. Any weight changes are announced in the changelog with at least 60 days notice.
What Does Not Affect Your Score
Understanding what VIZI does not track is as important as understanding what it does.
NFT Holdings
Owning or trading NFTs does not affect your VIZI Score. NFTs are not financial instruments in the lending sense, and their inclusion would introduce noise without predictive value for creditworthiness.
DEX Trading Volume
Swapping tokens on Uniswap, Curve, or other DEXs does not impact your score. Trading activity is not a credit signal — only lending, borrowing, and repayment behavior count.
Wallet Balance Alone
Having a large balance does not automatically produce a high score. Balance consistency matters more than absolute amount. A wallet with $1M today and $0 tomorrow scores poorly on the Average Balance signal.
Social Activity
Governance votes, ENS names, social tokens, and community participation are not scoring factors. While they may indicate ecosystem engagement, they do not predict financial reliability.
How to Improve Your Score
Because the factors and weights are published, improving your VIZI Score is straightforward.
Borrow and Repay
The fastest way to build score is to open a position on Aave or Compound, borrow against your collateral, and repay it in full. Each completed borrow-repay cycle strengthens your Repayment History signal, which carries the most weight at 28%.
Maintain High Collateral
Keep your collateral ratios well above the liquidation threshold. A 200%+ ratio demonstrates responsible borrowing. Top up collateral during market downturns to protect your positions and improve your Collateral Ratios signal.
Stay Active Over Time
Wallet Age rewards consistent participation. Keep your wallet active with regular transactions, even if they are small. A wallet with 3+ years of continuous activity scores significantly higher than a new wallet with the same financial metrics.
Avoid Liquidations
Even a single liquidation has significant negative impact. Monitor your positions and add collateral before health factors drop below safe levels. Use alerts from VIZI Score Monitoring to stay ahead of market moves.
Check Your Score Factors
Look up any wallet to see the full factor breakdown — which signals are helping your score and which need improvement.
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