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AVERAGE CREDIT SCORE vs LARGE MEME HOLDERS Our credit score algorithm considers many variables, but meme coin holdings are not one of them, yet. However, there is a noticeable correlation between users with significant meme coin holdings and higher credit risk, as illustrated below: Almost no users on Optimism hold more than 50% of their total portfolio in meme coins. On average, Optimism users have the highest credit scores at 624. In contrast, 10.4% of users on Base hold more than 50% of their total portfolio in meme coins. On average, Base users have the lowest credit scores at 613. This observation suggests that users who invest heavily in meme coins exhibit riskier behavior and are less likely to be suitable candidates for undercollateralized or unsecured lending products. While users are free to choose their exposure to different asset types, the data indicates that higher concentrations of meme coins correlate with increased credit risk. Managing exposure to riskier assets may help users maintain stronger financial stability. (Not financial advice.) Follow for more blockchain insights.

THIN FILE POPULATION BY CHAIN "Thin File" users are individuals with little, no, or insufficient transactional information to calculate a reliable credit score. This population is typically associated with a higher likelihood of default or bad debt when borrowing. In traditional finance, these users are often new entrants to the financial system, such as first-time job holders, students, etc. In the context of on-chain lending, this could include individuals who experimented with blockchain transactions once but never returned. Despite differences in definition between blockchain and traditional finance, assessing the credit risk of this group without transactional or lending history is essentially a "coin flip." To improve your creditworthiness and secure future lending opportunities, maintain funds and transactional activity on-chain. Follow for more blockchain insights.

AVERAGE CREDIT SCORE BY CHAIN The average credit score on-chain across 8 EVMs is 617 which means that on average, users on-chain have a 12.9% likelihood of being liquidated when borrowing. Users on Optimism are typically less likely to be liquidated (11.6%), while users on Base have a higher likelihood of liquidation (13.8%). The variation in credit scores across chains is influenced by user behavior and protocol usage, as each protocol has unique liquidation parameters and exposure to volatile-asset markets. Credit scores are dynamic, recalculating constantly as users transact. They can be integrated into any financial protocol for risk assessment and decision-making. Follow for more blockchain insights.

@zacharyr0th This is a fascinating concept! The time is right for the awesomeness of blockchain technology to expand beyond the use case of exchanging one currency for another. We'll be there to track it in real-time.

More than 21 000 people have accessed their credit score over the last 72 hours on Access yours today on etherscan's card functionality.

We are ready to transform any on-chain data so that it is legible and easily understandable to any level of person or auditing firm.

@StefanAndreiS @AndreCronjeTech @functi0nZer0 There IS 1 credit score across all networks. Non-EVM's will go through the exact same process so a score of 600 on Avalanche = 600 on Solana.👌

@bimXBB @AndreCronjeTech @functi0nZer0 👌

@wowhelloworld1 @WhoAmAI_Mentor @AndreCronjeTech @functi0nZer0 Users can check their score with no registration on To access all the other data i.e. Flow of Funds, Illicit Activity and Credit Risk, you'll have to sign up for the service.

RT @AndreCronjeTech: Every wallet on etherscan now has a creditscore. Go to etherscan > wallet you want to check > Cards tab Score powere…

Certainly! We are transparent about our scoring practices. We used more than 1 000 bespoke variables in the statistical process that considers many factors like sophistication, maturity, credit history, etc. The statistical modelling process is the same currently used in banks, lenders and traditional finance credit bureau. You can download our scorecard documentation here👇

@hopiummaster @AndreCronjeTech @functi0nZer0 Not bad👌

@0xArod @AndreCronjeTech @functi0nZer0 @EstforKingdom Our algorithm is impartial. Think of it like your credit score in Traditional Finance. The better you manage your on-chain finance, the better your score will be over time.👌

RT @_lfausto: 🚨 JUST IN: You can now check wallet credit scores on etherscan via @TheBlockBureau @AndreCronjeTech

@Fantom_India @_lfausto @AndreCronjeTech @functi0nZer0 Not bad👌

@spoon_420 @AndreCronjeTech @functi0nZer0 We used standard statistical practices in the development of our scorecard. You are welcome to download our scorecard documentation here👇

@pcdkd @etherscan Nope. Our score quite literally predicts the likelihood of you repaying a loan. It's a credit score, just like the one you're used to in Traditional Finance.👌

Check your credit score on today.

@leo_hao We are 100% transparent on our scorecard development process. In fact, we want people to have sight of the process so that they can see we applied standard statistical practices. You can download our scorecard documentation here👇

We're smarter than you think😄 Just like in Traditional Finance, we will catch chancers real quick. Folks attempting any funny business will be listed on our Illicit Activity dataset and be blocked from all future credit. It would be smarter to manage your on-line finances well so that you can build your credit score over time.👌