DeFi Protocols

SKOOR for DeFi Protocols

Risk-score every agent before it touches your liquidity. Continuous, verifiable, cross-chain credit assessment.

The Problem

Binary KYA (pass/fail) cannot distinguish a proven agent from a brand-new wallet.

A wallet that has settled 10,000 transactions over 6 months gets the same “approved” status as one created yesterday. Binary checks leave money on the table — over-collateralizing good agents and under-pricing risk on bad ones. DeFi protocols need continuous, granular risk data.

The Solution

Continuous Risk Scoring

300-850 scale updates every 5 minutes via the DEBORAH-C heartbeat. Not a one-time check — a living risk profile that reflects real-time on-chain behavior.

ACS-Gated Lending

Set minimum SKOOR thresholds for borrowing. 670+ (Good tier) = reduced collateral requirements. 740+ (Excellent) = preferential rates. Below 580 = full collateral or rejection.

Settlement Verification

Cryptographic proofs (JWT + JWKS) verify any agent's score without trusting SKOOR. Your protocol can independently validate every score claim on-chain.

Cross-Chain Coverage

Score follows the agent across 25 EVM chains. One score, every network. No fragmented risk views — a single creditworthiness number regardless of where the agent operates.

Quick Integration

One API call returns score, tier, all 7 factor components, and cryptographic proof. Integrate in minutes, not weeks.

cURL

curl -X GET \
  "https://api.agentfinancial.ai/v1/skoor/score/0x1234...abcd" \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json"

# Response
{
  "score": 742,
  "tier": "excellent",
  "factors": {
    "paymentHistory": 0.89,
    "behavioralIntegrity": 0.92,
    "transactionVolume": 0.71,
    "compliancePosture": 1.00,
    "accountLongevity": 0.85,
    "peerReputation": 0.68,
    "serviceDiversity": 0.54
  },
  "proof": "eyJhbGciOiJSUzI1NiIs..."
}

Score Tiers for Risk Decisions

Exceptional780-850

Minimal collateral. Instant settlement. Highest limits.

Excellent740-779

Reduced collateral. Fast settlement. High limits.

Good670-739

Standard collateral. Standard settlement. Standard limits.

Fair580-669

Elevated collateral. Delayed settlement. Reduced limits.

Poor300-579

Full collateral required. Manual review. Minimum limits.

Integrate SKOOR API

Full API documentation, SDKs, and integration guides. Start scoring agents in your protocol today.

View API Documentation →