SKOOR Explained
The credit scoring system for autonomous entities. Understand how scores are calculated, what each tier means, and how to improve.
What is SKOOR?
SKOOR is the credit scoring standard for autonomous entities. Just as FICO scores enable trust between lenders and borrowers in the human economy, SKOOR enables trust between AI agents, autonomous vehicles, IoT devices, robots, and energy infrastructure in the machine economy.
Every scored entity receives a number between 300 and 850, computed from 10 on-chain factors. The score updates in near-real-time as new data is indexed. Scores are public, verifiable, and portable across chains and platforms.
Counterparties, platforms, and financial institutions use SKOOR scores to make trust decisions: Should this agent be allowed to transact? What financing rate should this vehicle fleet receive? Is this IoT device compliant?
The 10 Scoring Factors
Each factor is scored from 0 to 100 and combined using the weights below. The maximum possible composite score is 850.
| Factor | Weight |
|---|---|
| Account Longevity | 15% |
| Compliance Posture | 15% |
| Payment History | 15% |
| Behavioral Integrity | 10% |
| Delegation Trust | 10% |
| Constraint Adherence | 10% |
| Peer Reputation | 8% |
| Transaction Volume | 7% |
| Intent Fidelity | 5% |
| Service Diversity | 5% |
Account Longevity
How long the entity has been registered on-chain. Older entities with consistent activity score higher. This rewards long-term participation over quick, burst behavior.
Compliance Posture
Whether the entity passes automated compliance screening. Entities flagged for sanctions, known-bad addresses, or regulatory violations receive significant penalties.
Payment History
Track record of completing financial obligations on time. Settled transactions, successful x402 payments, and fulfilled service agreements all contribute positively.
Behavioral Integrity
Consistency and reliability of on-chain behavior over time. Erratic patterns, sudden spikes in activity, or anomalous transaction patterns lower this factor.
Delegation Trust
Verifiable IntentDelegation Trust measures whether a real human authorized the agent to act. Agents with verified authorization chains score higher. A cryptographically verifiable path from human principal to agent earns full marks.
Constraint Adherence
Verifiable IntentConstraint Adherence measures whether the agent stays within its spending limits and merchant rules. Agents that follow instructions score higher. Every transaction is checked against the original delegation constraints.
Peer Reputation
Feedback score from other entities that have interacted with this one. Positive feedback from highly-rated peers carries more weight than anonymous or low-score feedback.
Transaction Volume
Total volume and frequency of on-chain transactions. Active entities that regularly transact across multiple protocols score higher than dormant ones.
Intent Fidelity
Verifiable IntentIntent Fidelity measures whether the agent actually did what it was told. Agents with a high match rate between instructions and actions score higher. This is the ultimate measure of autonomous reliability.
Service Diversity
How many different types of services the entity offers or consumes. A2A endpoints, x402 payment support, and multi-chain presence all increase this factor.
Score Tiers
SKOOR scores are grouped into 5 tiers. Each tier unlocks different capabilities, financing rates, and trust levels.
Poor
300 -- 579Limited on-chain history, compliance concerns, or minimal activity. Counterparties may require additional verification before transacting.
Fair
580 -- 669Some positive signals but gaps remain. Basic financial activity is present. Eligible for standard-tier financing offers.
Good
670 -- 739Solid on-chain behavior across multiple factors. Reliable performance history. Qualifies for competitive financing rates.
Excellent
740 -- 799Strong performance across most scoring factors. Top-tier autonomous entity with consistent compliance and peer endorsement.
Exceptional
800 -- 850Among the highest-rated entities on the network. Exemplary history, full compliance, strong peer reputation. Access to the best rates and terms.
How to Improve Your Score
Higher scores unlock better financing rates, more trust from counterparties, and priority access to platform features. Here are the most impactful actions:
Maintain consistent on-chain activity
Regular transactions across multiple protocols improve Transaction Volume and Behavioral Integrity. Avoid long periods of dormancy.
Pass compliance screening
Ensure your entity is not associated with sanctioned addresses or known-bad actors. Compliance Posture carries 15% weight.
Accumulate positive peer feedback
Complete service agreements successfully. Positive feedback from high-score peers carries extra weight in Peer Reputation.
Diversify service offerings
Register A2A endpoints, enable x402 payment support, and operate across multiple chains to boost Service Diversity.
Build account longevity
Time on-chain matters. Older entities with sustained activity benefit from the 15% Account Longevity weight.
Complete payments on time
Settled transactions and fulfilled financial obligations directly impact the 15% Payment History factor.
Move to higher data layers
L1 entities have a score ceiling of 600. Adding feedback data (L2), compliance verification (L3), and behavioral analysis (L4) unlocks higher potential scores.
Frequently Asked Questions
What is a SKOOR score?
A SKOOR score is a credit score for autonomous entities -- AI agents, vehicles, IoT devices, robots, and energy infrastructure. It ranges from 300 to 850 and is computed from 10 on-chain factors. Think of it as a FICO score, but for machines and software that transact autonomously.
How is the SKOOR score calculated?
SKOOR scores are computed from 10 weighted factors: Account Longevity (15%), Compliance Posture (15%), Payment History (15%), Behavioral Integrity (10%), Delegation Trust (10%), Constraint Adherence (10%), Peer Reputation (8%), Transaction Volume (7%), Intent Fidelity (5%), and Service Diversity (5%). The 3 newest factors (Delegation Trust, Constraint Adherence, Intent Fidelity) come from the Verifiable Intent specification and are earned passively. Each factor is scored 0-100 and combined using these weights.
How often is the score updated?
Scores are recomputed whenever new on-chain data is indexed -- typically within minutes of a new transaction, feedback entry, or compliance event. Historical scores are stored for trend analysis.
Can I improve my SKOOR score?
Yes. The most impactful actions are: maintaining consistent on-chain activity, ensuring compliance screening passes, accumulating positive peer feedback, and diversifying service offerings. Visit the improvement guide for specific steps.
What are scoring layers (L1-L4)?
Layers represent how much data is available to compute the score. L1 uses only basic on-chain data (limited ceiling of 600). L2 adds feedback data. L3 includes compliance verification. L4 is the full UltraFICO-equivalent with behavioral integrity analysis. More data available means a higher potential ceiling.
Is the score public?
Yes. SKOOR scores are public by default, similar to how credit ratings for public companies are visible. Any entity or platform can query a score via the API or the website. Entities can generate verifiable cryptographic proofs of their score.
Check Any Entity's Score
Enter a wallet address, agent ID, or VIN to look up the SKOOR credit score for any autonomous entity on the network.