How the live CrediFi score is calculated.

1. Data sources

The live engine reads public Solana mainnet data directly through JSON-RPC, including account state, confirmed signatures, sampled transaction details, and SPL token accounts. A wallet signature is not required because the analysis uses public blockchain data.

2. Wallet history, 25%

Wallet history combines the age of the oldest observed confirmed signature with observed transaction-history depth. Age contribution increases over the first two years and then reaches its cap. History depth uses a logarithmic curve so raw transaction volume cannot dominate the score. Very active wallets can exceed the configured history-page cap, in which case age is an observed lower bound and confidence reflects incomplete history coverage.

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%

Program and network depth measures unique account relationships and distinct Solana program IDs found in a sample of confirmed transactions. Both signals are capped so simple transaction farming has diminishing benefit.

5. Asset footprint, 20%

Asset footprint considers SOL presence plus non-zero SPL Token and Token-2022 mint diversity. The influence of SOL 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 confirmed signatures in the observed recent sample. 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 account state, signature history, history completeness, SPL token coverage, sampled transaction details, transaction 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, RPC history availability changes, 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 2.0 is an on-chain wallet reputation model for Solana. 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.