How the live CrediFi score is calculated.

1. Data sources

The live engine reads current account state from Robinhood Chain JSON-RPC and indexed transaction and token-balance data from the Robinhood Chain Blockscout explorer. A wallet signature is not required because the analysis uses public blockchain data.

2. Wallet history, 25%

Wallet history combines the age of the first observed transaction with outgoing transaction depth. Age contribution increases over the first two years and then reaches its cap. Transaction depth uses a logarithmic curve so raw transaction volume cannot dominate the score.

3. Activity consistency, 25%

Activity consistency measures how many distinct months were active during the most recent twelve months and combines that with recent transaction depth. Regular activity receives more credit than a short burst of transactions.

4. Network depth, 15%

Network depth measures unique counterparties and contract-style interactions found in the indexed transaction sample. Both signals are capped so transaction farming has diminishing benefit.

5. Asset footprint, 20%

Asset footprint considers native ETH presence and token-balance diversity. The influence of native balance is deliberately capped and logarithmic. CrediFi does not treat a high balance as equivalent to good financial behavior.

6. Execution health, 15%

Execution health measures successful versus failed outgoing transactions when transaction-status evidence is available. Small samples receive limited influence. A wallet with no recognized execution sample receives a neutral baseline rather than an automatic penalty.

7. Evidence confidence

Confidence is separate from the 0–1000 score. It reflects availability of RPC state, indexed transaction history, first-transaction evidence, token-balance coverage, transaction sample depth, and active-month history.

8. Score bands

0–399 Developing, 400–549 Fair, 550–699 Good, 700–799 Very Good, 800–899 Excellent, and 900–1000 Exceptional.

9. Recalculation

Each analysis is calculated from current available data. Results may change as the wallet changes, indexing catches up, or a newer methodology version becomes effective. The live result identifies the methodology version used.

10. Token separation

Holding, buying, selling, or using $CREDIFI does not directly increase a CrediFi score. The scoring engine does not award points for ownership of the CrediFi token.

11. Scope

Version 1.0 is an on-chain wallet reputation model for Robinhood Chain. Financial Passport credentials such as verified income, savings, employment, or off-chain repayment data are separate modules and are not silently inferred from a public wallet.