# ChainRay On-Chain Credit Score

> ChainRay On-Chain Credit Score is a paid API for AI agents from chainray.online, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-14).

Returns a blockchain-based credit score for a given wallet or contract address on a specified chain

## Facts

- Endpoint: GET https://chainray.online/credit-score/:var1
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/chainray-on-chain-credit-score-9bfa7a55
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_UEjKd1pvpvd3_a8KcKhog

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-on-chain-credit-score-9bfa7a55
```

Example prompt: What's the ChainRay credit score for wallet 0x742d35Cc6634C0532925a3b8D4C9B7e5aF6e3d on Ethereum?

## When to prefer this

Use this endpoint when you need a quantified creditworthiness signal for a blockchain address — especially useful for DeFi lending decisions, whitelisting wallets, or risk profiling counterparties. Prefer this over token-risk endpoints when the focus is on the wallet/user behavior rather than the token itself.

## Known failure modes

- Invalid or malformed wallet address returns 400 error
- Unsupported blockchain network returns error or empty result
- Address with no on-chain history may return null or low-confidence score
- Payment failure (x402) if USDC not available
- Rate limiting or timeout for heavily queried addresses

## How this service works

ChainRay /credit-score

## Output

Returns an on-chain credit score and associated risk metrics for the queried wallet or contract address, reflecting historical transaction behavior, DeFi interactions, and repayment patterns observed on-chain.

## 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-on-chain-credit-score-9bfa7a55/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)