Reputation that
follows from proof
Lending history from Aave, Morpho, Compound and Spark on Ethereum mainnet, proven cryptographically and used to cut required collateral from 150% to 110%.
What this is
Every number on this page comes from an Ethereum mainnet transaction proven cryptographically — not from our database.
Real mainnet activity
01A watcher follows Aave V3, Morpho Blue, Compound and SparkLend on Ethereum mainnet. Nothing is simulated and nothing is seeded. The only input is a transaction that actually settled.
See the source eventsAttestation
02Attestcoin attestors reach consensus on the block that contains the transaction. That takes roughly eight minutes, and until it lands there is nothing to prove.
Follow a proofEager proving
03A proof costs ten times less inside the first 24 hours, so events are proven while they are fresh and batched up to ten at a time. Nothing is ever proven on demand.
Inspect a batchPermanent facts
04FactRegistry verifies the proof against the Block Prover precompile, checks the source transaction actually succeeded, confirms the emitting contract, and stores the fact forever.
Read a wallet’s factsCollateral efficiency
05CreditGraph turns those facts into a score from 0 to 1000, and the market prices required collateral against it: 150% for an unproven wallet, 110% at the top tier.
Open the marketEvery fact starts on Ethereum mainnet
These numbers do not come from our own database. Every fact is verified on-chain through the Attestcoin Block Prover precompile against an Ethereum mainnet transaction that actually settled.
VerificationHistory is read from Aave V3, Morpho Blue, Compound and SparkLend. A reputation built on a single protocol is shallow and easy to game; one that has to hold across four is far more expensive to fake.
CoverageThis is not unsecured lending. Every loan stays over-collateralized, and a proven borrower simply locks up meaningfully less capital, from 150% down to 110%. That is how the protocol stays solvent.
RiskA proof costs ten times less inside the first 24 hours, so events are proven while they are still fresh and then stored permanently. Nothing is ever proven on demand while a reader waits.
CostThe market runs on Creditcoin testnet, but the credit history behind it is read from Ethereum mainnet. The tokens are stand-ins; the borrowing record and the prices proving it are not.
SourcingAnatomy of a score
The registry, right now
FAQ
Three things, together: that a transaction was included in a specific Ethereum mainnet block, that the source transaction actually succeeded (not reverted), and that the log came from the address of a registered protocol, not an impersonating contract. All three checks run on-chain before a fact is stored.
Creditcoin CC3 Testnet can read Ethereum mainnet through Attestcoin using chainKey 3. That lets the product satisfy a testnet deployment requirement without ever falling back to seeded or synthetic data.
No. Every loan stays over-collateralized. A proven wallet simply needs to lock up less capital against it — the required ratio moves from 150% down to a floor of 110%, it never reaches zero.
Roughly eight minutes for Attestcoin attestors to reach consensus on the block, then the proof is built and submitted on-chain. Nothing is proven on demand from stale history.
Aave V3, Morpho Blue, Compound, and SparkLend for borrowing and repayment history, plus Chainlink for the prices used to value collateral.
Yes. Every fact carries both the Creditcoin transaction that recorded it and the Ethereum transaction it was proven from, and both can be opened directly in a block explorer.