# ChainRay Credit Score Lookup

> 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.

## Facts

- Endpoint: GET https://chainray.online/credit-score/%7Baddress%7D
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-08
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/chainray-credit-score-lookup-1d1fa108
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_vEXRFsbicv75j0WXJiVvr

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability chainray-credit-score-lookup-1d1fa108
```

Example prompt: Can you pull the on-chain credit score for wallet 0x742d35Cc6634C0532925a3b844Bc454e4438f44e on Ethereum so I can assess whether to extend them a DeFi loan?

## When to prefer this

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.

## Known failure modes

- 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

## 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 request

```json
{
 "input": {
  "type": "http",
  "method": "GET",
  "queryParams": {
   "chain": "ethereum",
   "address": "0x742d35Cc6634C0532925a3b844Bc454e4438f44e"
  }
 }
}
```

## Request schema (JSON Schema)

```json
{
 "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
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/chainray-credit-score-lookup-1d1fa108/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from chainray.online](https://www.zero.xyz/host/chainray.online/llms.txt)