Credible Score

Credible Score is a decentralized, AI-powered credit system using zkOracles and onchain data to unlock scalable, no-collateral credit access across Web3 and fintech.

The Credible Score is a decentralized, AI-powered credit scoring system designed specifically for Web3. It allows users to establish and grow a financial identity onchain, serving as the cornerstone for undercollateralized and no-collateral credit access.

Credible Score is built with the following core components:

• ZK-Powered Oracle Architecture: Privacy-preserving oracles aggregate data from multiple sources, ensuring that the score remains verifiable and tamper-proof while safeguarding sensitive financial data.

• AI Scoring Engine: Credible's proprietary AI model evaluates a combination of onchain wallet behavior, DeFi interactions, repayment performance, staking activity, and risk exposure.

• Transaction Data Integration: The score is derived from historical and real-time onchain activity as well as connected CEX account data (via API integrations), enabling a more holistic view of user behavior.

• Hybrid Credit Signals: In markets where traditional credit histories exist, Credible Score can optionally incorporate third-party credit bureau data to complement onchain signals.

• Real-Time Updates: Credible Score is continuously updated through smart contract events triggered by card usage, repayments, staking activity, and protocol interactions.

Building & Using the Score

• Users improve their score by responsibly using Credible Cards (Genesis, Rewards, Ascend), making timely repayments, maintaining healthy staking ratios, and demonstrating sustainable credit usage.

• Credible Score evolves with the user and unlocks higher credit limits, lower collateral ratios, and eventually no-collateral lending options.

Oracle-Powered Transparency

Credible Score is published through a distributed zkOracle network:

• Each score is cryptographically verifiable and stored in a decentralized ledger.

• Scores are accessible via the Credible SDK, enabling fintechs, credit apps, and DeFi platforms to underwrite or benchmark user behavior.

• Credit limits across all Credible cards are dynamically defined and adjusted using the user’s real-time Credible Score.

Through this infrastructure, the Credible Score becomes a portable, transparent, and composable reputation layer—transforming how creditworthiness is established and extended in Web3.