{"uid":"cap_vEXRFsbicv75j0WXJiVvr","slug":"chainray-credit-score-lookup-1d1fa108","name":"ChainRay Credit Score Lookup","description":"The most complete blockchain data and intelligence service for AI agents. 93 endpoints across 46 chains, from gas fees to DeFi analytics, with real-time streams, intent routing, and verifiable proofs. Pay-per-request via x402.","url":"https://chainray.online/credit-score/%7Baddress%7D","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"pathParams":{"type":"object"},"queryParams":{"type":"object","required":["address"],"properties":{"chain":{"type":"string","description":"Blockchain network"},"address":{"type":"string","description":"Wallet or contract address"}}}},"additionalProperties":false}}},"responseSchema":null,"example":{"request":{"input":{"type":"http","method":"GET","queryParams":{"chain":"ethereum","address":"0x742d35Cc6634C0532925a3b844Bc454e4438f44e"}}},"response":{"chain":"ethereum","grade":"AAA","_intel":{"details":{"0x742d35cc6634c0532925a3b844bc454e4438f44e":{"labels":["high_credit"],"lastSeen":1781762474861,"seenCount":1,"creditScore":90}},"knownAddresses":1},"_proof":{"chain":"ethereum","dataHash":"d5bce0feddd9dbf3a97cf1d16128aa0bb852daedf6b2834b05735b187dd73977","blockHash":"0xbb2c4ead8fe0ef2d2310d16639a9d366db94339c98d3e2a52bd9db8e9b1fd0a4","chainName":"Ethereum","blockNumber":25342520,"analysisHash":"fa5f32b3419b9311b30a6c750b70abb47f878f2a43dff47c7a5215c2c72e6079","proofVersion":"3.0","blockTimestamp":1781762471,"proofTimestamp":1781762476016},"wallet":"0x742d35Cc6634C0532925a3b844Bc454e4438f44e","factors":[{"score":20,"value":3011,"detail":"3011 transactions","factor":"Transaction History","maxScore":20},{"score":20,"value":"64476.2478","factor":"Native Balance","maxScore":20},{"score":15,"value":"2 major tokens held","factor":"Token Diversity","maxScore":15},{"score":15,"value":"$7747769.18","factor":"Stablecoin Holdings","maxScore":15},{"score":10,"value":"EOA (Personal)","factor":"Account Type","maxScore":10},{"score":10,"value":"Active","factor":"DeFi Activity (estimated)","maxScore":10},{"score":0,"value":"scan unavailable","factor":"Protocol Diversity","maxScore":5},{"score":0,"value":"No prior records","factor":"Intel History","maxScore":5}],"maxScore":100,"timestamp":1781762474862,"creditScore":90,"description":"Excellent — highly active, well-funded, diversified wallet","methodology":"Score based on: transaction count (20), native balance (20), token diversity (15), stablecoin holdings (15), account type (10), DeFi activity (10), protocol diversity (5), intel history (5). All data from on-chain reads + accumulated intelligence."}},"exampleRequest":{"chain":"ethereum","address":"0x742d35Cc6634C0532925a3b844Bc454e4438f44e"},"tags":["x402"],"displayCostAmount":"0.02","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.02/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_fzIFx7cjQ43VPMqIjm4-T","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.02","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns an on-chain credit score for a given blockchain wallet or contract address, indicating creditworthiness based on transaction history and DeFi activity.","exampleAgentPrompt":"Can you pull the on-chain credit score for wallet 0x742d35Cc6634C0532925a3b844Bc454e4438f44e on Ethereum so I can assess whether to extend them a DeFi loan?","exampleUseCases":[{"title":"DeFi lending platform borrower vetting","prompt":"Before we approve this loan application, can you check the on-chain credit score for the applicant's wallet address? I need to know if their transaction history and DeFi activity suggest they're a reliable borrower."},{"title":"Protocol access control and whitelisting","prompt":"We're launching an exclusive feature for our protocol and want to restrict it to creditworthy addresses. Can you pull the on-chain credit scores for these wallet addresses so we can set a minimum threshold for who gets access?"},{"title":"Smart contract counterparty risk assessment","prompt":"I'm about to execute a transaction with this smart contract address on Polygon. Can you look up its on-chain credit score and financial reputation to make sure it's not a high-risk counterparty?"}],"resultDescription":"A credit score or creditworthiness rating derived from the on-chain history of the specified wallet or contract address, reflecting their transaction behavior, DeFi participation, repayment history, and overall financial activity on the specified blockchain.","failureModes":["Invalid or malformed wallet address returns 400 error","Unsupported chain parameter returns error or falls back to default","Address with no transaction history may return null or zero score","Payment failure via x402 returns 402 Payment Required","Rate limiting may occur for high-frequency requests"],"whenToPreferThis":"Use this endpoint when you need to assess the creditworthiness or financial reputation of a specific blockchain address, particularly for DeFi lending, protocol access gating, or risk management. Prefer this over generic wallet analytics when a specific credit/risk score number is required rather than raw transaction data.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-08T18:45:02.447Z","isFirstParty":false}