CredBlock
Experimenting with credit-style scores built from a wallet's public blockchain activity.
- Status
- Collaborative prototype
- Year
- 2025
- Role
- Collaborative
- Area
- On-chain
In plain English
Traditional credit scores depend on bureaus and personal records. CredBlock explores whether a wallet's public history, such as its age, activity and loan repayments, can say something about how trustworthy it is. The score is a research experiment and makes no lending decisions.
How it works
- Look up a wallet's public activity across several blockchains.
- Compute features like wallet age, transaction history, balances and loan repayments.
- Combine them with rule-based scoring (fixed, readable formulas) into a single score.
- Cache results and retry failed lookups so scores come back quickly.
What I did
I built it with a collaborator, working in Python and Web3 tooling.
What I learned
On-chain activity says something real about a wallet, and turning it into a fair score is a much harder research problem.