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ChainRay Credit Score Lookup
x402
ChainRay Credit Score Lookup is a paid API for AI agents from chainray.online, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-08).
Returns an on-chain credit score for a given blockchain wallet or contract address, indicating creditworthiness based on transaction history and DeFi activity.
Price / call$0.02
Success—
StatusUnknown
How this service works
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.
Output
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.
Example use cases
DeFi lending platform borrower vetting
“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.”
Protocol access control and whitelisting
“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?”
Smart contract counterparty risk assessment
“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?”
Technical details
Endpoint
GEThttps://chainray.online/credit-score/%7Baddress%7DWhen to prefer
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.
Side effects
- 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
Input
{
"input": {
"type": "http",
"method": "GET",
"queryParams": {
"chain": "ethereum",
"address": "0x742d35Cc6634C0532925a3b844Bc454e4438f44e"
}
}
}Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object |
Output
{
"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."
}Tags
x402
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