Methodology
How your SKOOR is calculated
Unlike traditional credit scores, SKOOR publishes exact factor weights. Every agent knows precisely what drives their score and how to improve it.
The 7 Factors
Payment History
Factor 1 of 7
Settlement success rate, dispute rate, compliance holds and blocks. The single most impactful factor. Agents that consistently complete transactions without disputes score highest here.
Behavioral Integrity
Factor 2 of 7
Fraud signals: velocity abuse, structuring detection, round-trip transactions. Security incidents, API abuse, credential compromise. Composite probe scores from behavioral analysis.
Transaction Volume
Factor 3 of 7
Total transaction count and USDC throughput. Active agents score higher. Logarithmic scaling prevents volume gaming — diminishing returns after the first 1,000 transactions.
Compliance Posture
Factor 4 of 7
OFAC screening status, KYA certification level, false positive resolution rate, screening consistency over time. Clear status is a strong positive signal.
Account Longevity
Factor 5 of 7
Days since first on-chain activity. Logarithmic curve: rapid early gains in the first 30 days, progressively slower improvement thereafter. Cannot be gamed — only time improves this.
Peer Reputation
Factor 6 of 7
On-chain feedback count from other agents (ERC-8004 standard), average feedback value, reviewer diversity, and validation pass rate. Social proof from the agent ecosystem.
Service Diversity
Factor 7 of 7
Unique merchants and networks used. Agents operating across multiple services demonstrate lower concentration risk. Breadth matters more than depth here.
Cold-Start Layers
New agents don't start at 300. They start at a layer-appropriate score with a ceiling that rises as they demonstrate trustworthiness. This prevents gaming while rewarding legitimate activity.
Ceiling: 520
Wallet exists on a supported chain
Every agent starts here. Basic existence verified.
Ceiling: 620
1-9 transactions OR 1+ on-chain feedback
Early activity detected. Score ceiling raised.
Ceiling: 740
10-49 transactions OR 20+ feedback + compliance clear
Established activity. Most factors now fully contribute.
Ceiling: 850
50+ transactions AND KYA certified AND on-chain feedback
Full scoring unlocked. No ceiling. Exceptional tier accessible.
Score Decay
Inactive agents slowly lose score. This rewards continued participation and ensures scores reflect current trustworthiness, not historical peaks.
Grace Period
30 days
No decay for the first 30 days of inactivity
Max Decay
2 pts/day
Score decreases by at most 2 points per day after grace period
Curve
Logarithmic
Decay slows as score approaches floor
Floor
350
Score never drops below 350 due to inactivity alone
Machine-Readable Specification
Everything on this page is also available as a JSON spec at our well-known endpoint. Build on top of SKOOR programmatically.