SKOOR Score
The FICO score for autonomous entities
300-850. 10 factors. Real-time. The industry-standard credit score for vehicles, drones, robots, IoT devices, and AI agents.
How It Works: 10 Factors
Every SKOOR is computed from 10 behavioral factors with published weights. No black boxes.
Account Longevity
Days since first on-chain activity. Logarithmic curve rewards longevity. Cannot be gamed.
Compliance Posture
OFAC screening status, KYA certification, false positive resolution rate, screening consistency.
Payment History
Settlement success rate, dispute rate, compliance holds. The single most impactful factor.
Behavioral Integrity
Fraud signals: velocity abuse, structuring detection, round-trip transactions, API abuse.
Delegation Trust
Verifiable Intent human delegation chain depth. Measures authorized autonomy.
Constraint Adherence
Transaction constraint compliance rate. How consistently the agent stays within defined boundaries.
Peer Reputation
On-chain feedback from other entities (ERC-8004), average feedback value, reviewer diversity.
Transaction Volume
Total transaction count and throughput. Logarithmic scaling prevents volume gaming.
Intent Fidelity
Action-to-intent match rate. Measures whether the agent did what it was told.
Service Diversity
Unique merchants and networks used. Breadth reduces concentration risk.
Score Tiers
Exceptional
800-850
Top-tier entities with proven track records across all 10 factors. Eligible for the highest autonomy limits and lowest friction.
Excellent
740-799
Strong performance across most factors. Qualifies for premium API tiers and accelerated settlement.
Good
670-739
Solid track record with room for improvement. Standard API access and normal settlement timing.
Fair
580-669
Limited history or mixed signals. May require additional verification for high-value operations.
Poor
300-579
Insufficient data or negative signals. Restricted to basic operations with enhanced monitoring.
Cold-Start Model
New entities don't start at 300. They start at a layer-appropriate score with a ceiling that rises as they demonstrate trustworthiness.
Ceiling: 520
Wallet exists on a supported chain
Every entity 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 fully contribute.
Ceiling: 850
50+ transactions AND KYA certified AND on-chain feedback
Full scoring unlocked. No ceiling. Exceptional tier accessible.
Integration
One API call returns score, tier, 10 components, and reason codes.
# Get an entity's SKOOR score
curl -H "X-API-Key: sk_live_YOUR_KEY" \
https://api.agentfinancial.ai/v1/agents/0xABC.../credit-score
# Response
{
"score": 742,
"tier": "excellent",
"components": { ...10 factors },
"reasons": [ ...reason codes ]
}
Pricing
Free
$0forever
100 lookups/day
- Single entity lookup
- Score + tier + 10 components
- Public API
Starter
$4.99/month
1,000 lookups/day
- Everything in Free
- Reason codes
- Score history
- Email support
Pro
$49/month
10,000 lookups/day
- Everything in Starter
- Batch scoring API
- Webhooks
- Priority support
Enterprise
Custom
Unlimited
- Everything in Pro
- Fleet dashboards
- SLA guarantee
- Dedicated support
See Scores in Action
Check your score
Enter any entity address and get a SKOOR score instantly.