What Does Your Wallet
Say About You?

Turn your trading, DeFi and borrowing activity into an explainable financial score.

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Turn Web3 Activity Into Financial Credibility

Your on-chain activity tells a story. ScoreID turns that activity into a financial score that makes your Web3 credibility easier to understand.

Access Your Score

Web3 wallet and asset signals coming together in ScoreID

See More Than a Score

ScoreID brings signals from your trading, DeFi, borrowing and wallet activity together to give you insight into the financial signals that shape your profile.

Discover Your Score

A transparent financial score card with on-chain insights

Take Your Score With You

Your financial activity is spread across different wallets and platforms. ScoreID brings it together in one score you can take with you.

Your portable financial identity across the Web3 ecosystem

Bring Your Wallets Together

Your financial activity lives across the Web3 ecosystem. Connect your wallets to give ScoreID the fullest picture of your on-chain financial profile.

Keep Your Profile Consistent

Keep your connected wallets in place over time. A consistent profile gives you a more reliable view of your financial activity.

Ensure a Full Financial Picture

Once you’ve connected a wallet, keep it connected. Removing wallets can leave gaps in your profile and make your financial picture less complete.

Understand Your Score

Your current ScoreID is what matters. Older scores are snapshots of the past. Your current score reflects where you are now.

All In One Solution

Across web and mobile, use your ScoreID to show creditors the financial activity traditional finance can't see, bringing your Web3 financial history into the picture.

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ScoreID web dashboard with score history and financial signals

FAQ

What is a crypto credit score?

A crypto credit score uses verified on-chain activity to create a broader view of your financial profile. ScoreID analyzes supported Web3 signals from your connected wallet and turns them into a score designed to reflect more than traditional credit data alone.

How does ScoreID calculate my score from my crypto wallet?

ScoreID uses supported signals from your crypto wallet and on-chain activity to build your score. Depending on the available data, this may include wallet history, transactions, trading, DeFi activity, borrowing behavior, and other verified Web3 signals.

How do I connect my crypto wallet to ScoreID?

Connect a supported crypto wallet through ScoreID’s secure, read-only verification flow. ScoreID can then use verified wallet and on-chain activity to build your ScoreID without taking custody of or moving your assets.

What kind of Web3 activity can affect my ScoreID?

Your ScoreID may reflect supported Web3 and on-chain signals such as wallet history, transactions, trading activity, DeFi activity, and borrowing behavior. The signals available depend on the data connected to your ScoreID.

What is an on-chain credit score?

An on-chain credit score uses verified blockchain activity to help build a picture of financial behavior beyond traditional credit data. ScoreID brings supported on-chain signals into a score that can become part of your broader financial identity.

Is a DeFi credit score different from a traditional credit score?

Yes. Traditional credit scores are generally based on information reported through traditional financial and credit systems. A DeFi or Web3 credit score can use supported on-chain activity to provide additional context about financial behavior in decentralized ecosystems. ScoreID is designed to bring these digital signals into a broader financial profile rather than leaving your Web3 activity invisible.

Is my crypto wallet data private?

ScoreID is built around user consent, privacy, and responsible data handling. Wallet connections are designed to be read-only, and ScoreID does not move or take custody of your crypto assets. Your information is not shared without your approval.

Does ScoreID have access to my crypto or funds?

No. ScoreID does not move, manage, or take custody of your crypto assets. Wallet connections are designed to verify supported financial signals rather than give ScoreID control over your funds.

Can I choose when to share my ScoreID?

Yes. ScoreID is designed around user-controlled sharing, so you decide when to share your score and with a supported institution or platform.

Let's Start a Conversation

Have a question or want to learn more about ScoreID? Send us a message and our team will get back to you.

hello@scoreid.com

Access Millions of Customers
Invisible to Traditional Credit.

Millions of financially active customers remain outside the reach of traditional credit data. ScoreID gives institutions a new way to reach and assess them.

Book a Demo Book Consultation

ScoreID dashboard with customer financial scores and connected platforms

Why ScoreID?

See More Financial Context

Traditional credit data doesn't capture every customer's financial activity. ScoreID adds verified digital and Web3 signals to give institutions a fuller picture.

See Behaviour, Not Just a Balance

Understand financial behaviour and repayment history, not just scores or collateral.

Know What Drives Each Customer's Score

See the individualised signals that determine the score, with transparent signal distribution.

Reach More Customers

Access financially active customers traditional credit data may struggle to capture.

Use Cases

Buy Now, Pay Later

Expand point-of-sale underwriting with an additional financial signal to assess customers and make credit outcomes more fully equitable.

Crypto Platforms

Bring financial activity into crypto-native lending, pricing and access decisions.

Mobility, Leasing, Rentals

Assess customers with limited traditional credit history using an additional, verifiable financial signal.

More Inclusive Finance

Expand evaluation coverage for users with limited traditional bureau data but meaningful alternative and on-chain signals.

Embedded Finance

Strengthen embedded financial products with flexible, API-first scoring layer.

Cross-Border Finance

Assess customers across fragmented markets where traditional credit data may be incomplete or unavailable.

Security and Privacy

Explicit User Consent

Financial data is accessed only with user consent, giving people control over what they share.

Enterprise-grade Security

Security controls protect sensitive financial information throughout the ScoreID experience.

Transparent Data Practices

Clear governance and accessible reporting help institutions understand how ScoreID handles data.

User-Centric Data Control

Users remain in control of the financial information and wallets connected to their ScoreID.

Don't Let Traditional Credit Data Limit Your Market

The next generation of customers is building a financial identity beyond traditional banking. ScoreID helps institutions recognise that activity and make customer financial activity more visible.

More reach and inclusion
Global & Cross-Border Activity
Alternative data signals
Transparent Credit Decisions
Customer-centric data control

ScoreID verifying digital financial activity and consent

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Make Better Decisions with ScoreID

Whether you're assessing new customers, financial activity or digital asset users, ScoreID gives you the context you need to make better-informed decisions.

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FAQ

What is alternative credit data?

Alternative credit data refers to financial signals beyond traditional credit bureau information. ScoreID is designed to combine verified on-chain activity and other alternative financial data to provide additional context for credit assessment and underwriting.

How can ScoreID improve credit underwriting and decisioning?

ScoreID adds alternative financial and on-chain signals to existing credit decisioning workflows. This can give lenders, fintechs, and digital platforms additional context when assessing users whose financial activity may not be fully represented by traditional credit data alone.

What on-chain data can ScoreID use for credit scoring?

ScoreID is designed to use verified on-chain financial signals, subject to user authorization and supported data sources. These signals can provide additional context about a user's Web3 financial activity alongside other available financial data.

Which companies can use ScoreID?

ScoreID is designed for digital lenders, BNPL providers, fintechs, embedded finance platforms, crypto and Web3 platforms, mobility and rental businesses, and other companies that need broader credit intelligence for digital-first customers.

How can BNPL and digital lending companies use ScoreID?

BNPL providers and digital lenders can use ScoreID to add alternative credit data and verified digital financial signals to their existing underwriting and credit decisioning processes. This can provide additional context when traditional credit information alone does not capture a user's broader financial profile.

Can ScoreID support crypto lending and Web3 platforms?

Yes. ScoreID is designed to help crypto and Web3 platforms interpret verified on-chain financial activity as part of a broader credit profile. This can support use cases where traditional credit data provides limited visibility into a user's Web3 financial behavior.

How do we integrate ScoreID into our existing systems?

ScoreID is built for API-based integration into existing onboarding, underwriting, segmentation, and credit decisioning workflows. This allows institutions to incorporate ScoreID data into their existing infrastructure rather than creating a separate assessment process.

How does ScoreID handle user consent and financial data?

ScoreID is designed around user consent, privacy, and responsible data handling. Access to relevant financial signals is based on user authorization, helping institutions incorporate additional credit intelligence while keeping users in control of how their data is shared.

Does ScoreID support cross-border credit use cases?

ScoreID is designed for digital-first and cross-border environments where traditional credit information may be incomplete or difficult to transfer between markets. Alternative financial and on-chain data can provide additional context when evaluating customers across different financial systems.

Is ScoreID enterprise-ready?

ScoreID is designed for business and enterprise integrations, with API-based connectivity, consent-based data access, privacy considerations, and secure financial data handling built into the platform.

What Does Your WalletSay About You?

Turn Web3 Activity Into Financial Credibility

See More Than a Score

Take Your Score With You

Get More From Your ScoreID

Bring Your Wallets Together

Keep Your Profile Consistent

Ensure a Full Financial Picture

Understand Your Score

All In One Solution

FAQ

Let's Start a Conversation

What Does Your Wallet
Say About You?