There are 1.8 billion adults worldwide with no credit history. Millions more are trapped behind overcollateralized DeFi loans, locking up $2 to borrow $1 because no one can verify they are good for it. Meanwhile, every transaction they have ever made sits permanently on a public blockchain. VIZI exists to read that history and turn it into a score—so creditworthy people can finally access the credit they have earned.
Over $80 billion flows through decentralized lending protocols today. Borrowers post collateral, take loans, repay with interest, and build verifiable financial track records permanently recorded on public blockchains. But because there is no credit infrastructure for on-chain finance, every borrower is treated the same—as if they have no history at all. The result is a system that punishes the responsible and rewards no one.
Today, DeFi borrowers must lock up 150–200% collateral for every loan. To borrow $1,000, you need to deposit $1,500–$2,000. This is not a design choice—it is a workaround. Protocols cannot assess whether you are creditworthy, so they demand excess collateral as insurance. It works, but it locks up billions in capital that could be deployed productively.
For borrowers with years of clean repayment history, this is absurd. A wallet that has taken and repaid 50 Aave loans without a single liquidation is treated identically to a brand-new wallet taking its first loan. There is no way to earn trust because there is no system reading the trust you have already built.
VIZI fills this gap. By giving lenders a reliable credit score for on-chain borrowers, we enable under-collateralized lending for people who have proven they deserve it. Protocols can lower collateral ratios for high-scoring wallets, offer better interest rates to repeat borrowers, and expand access to credit without increasing risk.
This is the most important thing to understand about VIZI: we are not a credit bureau. We do not collect, store, or sell your personal information. We do not ask for your Social Security number, your name, your address, or your date of birth. We never will. VIZI simply reads the public transaction history associated with your wallet address—data that already exists on the blockchain, that you already own, and that no one can take from you.
With traditional bureaus, your credit file lives on their servers. They decide what goes in it. They decide who sees it. They decide how long errors stay. With VIZI, your “file” is the blockchain itself—an immutable, public ledger that you created through your own transactions. No one can alter it. No one can delete it. No one can merge it with someone else's. Your on-chain history is yours, permanently.
VIZI collects exactly zero pieces of personally identifiable information. No names, no emails, no phone numbers, no government IDs. We score wallet addresses. A wallet address is a string of characters that reveals nothing about who you are—only what you have done. This is not a privacy feature we bolted on. It is the fundamental architecture of the system. There is nothing to breach because there is nothing to collect.
VIZI does not make lending decisions, does not approve or deny applications, and never originates loans. We provide a score. What lenders, protocols, and platforms do with that score is their decision. You can check your own score for free, anytime, with no sign-up. You can share it with whoever you choose. You are not the product—you are the user.
Credit bureaus are data brokers. They collect your financial information from banks and lenders—often without your explicit consent—package it into a file, and sell it to anyone willing to pay. You are the product, not the customer. When they make mistakes, you spend months fighting to fix them. When they get breached, you get a $4.75 settlement check. VIZI is architecturally different.
This is not a slightly better credit bureau. It is a fundamentally different model. Bureaus collect data from third parties about you. VIZI reads data you created on a public ledger. Bureaus store your sensitive information on centralized servers. VIZI stores no personal data at all. Bureaus charge you to see your own file. VIZI lets you check your score for free.
Bureaus have a financial incentive to keep the system opaque—the harder it is to understand your score, the harder it is to challenge their authority. VIZI publishes its methodology. Every signal we use is derived from publicly verifiable blockchain data. Anyone can audit the inputs. The score is math applied to facts, not a black box controlled by a corporation that answers to lenders, not to you.
The 2017 Equifax breach exposed 147 million Americans' Social Security numbers, birth dates, and addresses. The company paid roughly $4.75 per victim. Executives kept their pensions. The stock recovered in 18 months. This is the system people trust with their financial identity. We believe there is a better way.
VIZI is a community effort. We exist because the crypto ecosystem needs credit infrastructure and no one has built it yet. Not the banks. Not the bureaus. Not the protocols. The people building on-chain, lending on-chain, and borrowing on-chain deserve a system that recognizes their financial responsibility—and rewards it with better access to credit.
Every wallet that has ever repaid a loan on Aave, Compound, or Maker has a credit history. It is written immutably on a public blockchain. It is verifiable by anyone. And until now, it counted for nothing. VIZI exists to make it count.
1.8 billion adults have no credit history with traditional bureaus. Many of them transact daily on blockchains—sending remittances, earning yield, paying for goods. The bureaus cannot read a blockchain. They were never designed to. VIZI reads the data these people are already creating and turns it into a score that lenders can use. No bank account needed. No Social Security number needed. Just a wallet and a history.
If you have been borrowing and repaying responsibly on-chain for years, you deserve better terms. VIZI gives protocols the data to offer you lower collateral ratios, better interest rates, and higher borrowing limits. Your track record should matter. With VIZI, it finally does. This is how under-collateralized lending becomes possible in DeFi—not through trust assumptions, but through verifiable credit history.
Lending protocols cannot grow beyond overcollateralization without credit scoring. VIZI provides the missing layer. Integrate our API to offer tiered lending terms, dynamic collateral ratios, and risk-adjusted pricing. Reward your best borrowers. Attract new ones. The total addressable market for DeFi lending expands dramatically when you can distinguish between a first-time borrower and someone with a 780 VIZI score.
In the United States alone, 45 million adults have no file at any of the three major credit bureaus. Another 19 million have files too thin to generate a score. Traditional scoring requires a Social Security number, US-based bank accounts, and active credit relationships with furnishing lenders. Immigrants, freelancers, gig workers, young adults, and entire populations in the developing world are systematically excluded.
A wallet address reveals nothing about the holder's race, gender, age, nationality, or zip code. VIZI scores are derived entirely from on-chain behavior: repayment patterns, liquidation history, collateral management, protocol diversity. No demographic bias is possible because no demographic data exists. This is not a feature we added. It is an inherent property of the data source itself. A developer in Lagos and a trader in London are evaluated by the same transparent methodology.
Traditional credit scoring correlates strongly with zip code, race, and income proxies. Decades of research have shown that FICO scores reflect and perpetuate structural inequalities tracing back to redlining maps drawn in the 1930s. The algorithm may be race-neutral on its face, but the data it consumes is not. VIZI evaluates what you do, not who you are. If you have repaid loans, maintained positions, and avoided liquidations, you get a high score. Period.
No sign-up. No personal data. No application. VIZI reads the public blockchain, scores your wallet based on what it finds, and makes that score available to you and any lender or protocol you choose to share it with. That is the entire product.
Every time you borrow, repay, stake, provide liquidity, or interact with a DeFi protocol, that activity is recorded immutably on the blockchain. You are already building your credit history without doing anything extra.
Our scoring engine indexes on-chain data across 15+ blockchains. We analyze 8 behavioral signals: repayment history, liquidation record, wallet age, collateral ratios, average balances, sanctions screening, income proxies, and protocol diversity. All from public data. No opt-in required.
Using the same scale as FICO, we generate a credit score that is immediately intuitive to every lender on the planet. A 780 VIZI score means the same thing as a 780 FICO score: this borrower is highly creditworthy. The difference is how we get there—verifiable blockchain data instead of self-reported bank records.
DeFi protocols and CeFi lenders integrate our API to offer tiered lending: lower collateral requirements for high-scoring wallets, better interest rates for repeat borrowers, higher limits for proven participants. Your history finally counts for something. This is how under-collateralized lending becomes real.
Go to VIZIScan, paste your wallet address, and see your score instantly. No account needed. No email required. No credit card. If you disagree with your score, you can see exactly which on-chain signals contributed to it—because all the data is public and verifiable.
These are not marketing slogans. They are architectural decisions embedded in the system we built.
We do not collect personal data. Not as a selling point. Not as a toggle in settings. There is no PII in our system because the system was never designed to accept it. You cannot breach data that does not exist.
VIZI never originates loans, holds funds, or benefits from lending outcomes. We score. Lenders decide. Our revenue comes from API access fees, not from the lending activity. We have no incentive to inflate or deflate scores.
Every VIZI score is derived from immutable blockchain records. There is no black box. Anyone can verify the underlying data. We publish our methodology, our signal weights, and quarterly transparency reports. If you cannot audit it, you should not trust it.
VIZI scores work for anyone with a wallet, anywhere in the world. No application form. No geographic restrictions. No minimum income. If you have on-chain history, you have a VIZI score. No permission required.
Your credit history lives on the blockchain—a public ledger that no central authority can freeze, alter, or deny access to. You control your keys. You control your history. No corporation can delete your file, merge it with someone else's, or sell it without your knowledge.
The entire point is to get borrowers off the 150–200% collateral treadmill. Credit scoring is the missing piece. With VIZI, protocols can safely lower collateral requirements for proven borrowers—making DeFi lending actually efficient.
VIZI is not a bank, not a lender, and not a protocol that holds your funds. We are infrastructure. We provide the scoring layer that the entire on-chain lending ecosystem needs to move beyond overcollateralization and toward capital-efficient, risk-adjusted lending. The same way FICO became the standard for traditional credit, VIZI is becoming the standard for on-chain credit—but built on better principles, better data, and a better architecture.
The same scale used by FICO. Immediately intuitive to every lender, regulator, and consumer on the planet. No learning curve. A 780 means what a 780 has always meant: this borrower is highly creditworthy.
Bureau scores update monthly at best, based on whenever lenders report. VIZI scores update as new on-chain activity is detected. Repay a loan today, your score reflects it today. No waiting. No stale data. No “I paid that off three weeks ago.”
Ethereum, Bitcoin, Solana, Base, Polygon, Avalanche, Arbitrum, Optimism, BNB Chain, and more. One score across all your on-chain activity, no matter which chains you use.
Repayment history (28%), liquidation record (19%), wallet age (15%), collateral ratios (12%), average balance (10%), sanctions check (9%), income proxies (5%), protocol diversity (2%). Every weight is published. Every signal is verifiable.
Check your on-chain credit score for free. No personal data. No sign-up. Just your wallet address.
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