On-chain credit scores, compared

TL;DR. "On-chain credit score" is used for four different things. Only three live services in this comparison try to predict whether a wallet will repay: Cred Protocol (300 to 1000), Blockchain Bureau (shown on Etherscan) and Zeru's zScore (0 to 1000). The rest answer other questions a lender also needs answered: is this one real human (Human Passport, World ID, Coinbase Verifications), do other people vouch for them (Ethos, Talent Protocol's Builder Score, Nomis), and is the wallet tied to scams or sanctioned funds (Webacy). Spectral's MACRO score and RociFi's credit token are gone, and Credora now rates lending markets, not wallets. Most of these can be checked for free in a few minutes, and none of them sees your income, your exchange account or your other wallets.

Disclosure: we build Unlloo, whose 0-1000 score reads several of the services below, Zeru's zScore among them, and Zeru lists Unlloo as a customer. No ranking, no winner. Last verified: 11 November 2026. This article is general education, not financial advice.

What is an on-chain credit score?

An on-chain credit score is a number computed from a wallet's public blockchain history that tries to say how likely the owner is to repay a loan. It plays the role a bureau score plays at a bank, with two differences: it is built from open data anyone can read, and it belongs to a wallet, not to a person. A person can own many wallets, and a wallet can be new, so every score in this comparison has to deal with those two gaps.

Under the same label you will find services that measure something else entirely, and mixing them up is the most common mistake. A proof that a wallet belongs to a unique human is not a credit score. Neither is a risk flag for stolen funds. A lender needs all of them, which is why the table below sorts them by the question each one answers.

Which on-chain credit and reputation scores exist in 2026?

As of November 2026 we count ten live services worth knowing, in four groups, plus three that have pivoted or stopped. Each row comes from the service's own documentation or site, opened on 11 November 2026.

Which of these is actually a credit score?

Three of them: Cred Protocol, Blockchain Bureau and Zeru's zScore are the only live services here that model whether a wallet will repay or behave safely as a borrower. Everything else answers a narrower question, and a careful lender asks all four.

Cred Protocol scores Ethereum-family addresses from 300 to 1000, in bands from Low (300-639) to Excellent (920-1000). Its documentation lists the factors as borrowing history, wallet composition, wallet health, interactions, trust and new credit, read across ten networks, with borrowing history drawn from lending protocols such as Aave, Compound and Morpho. It is one of two scores here, with Blockchain Bureau, that an unsecured lender, 3Jane, names in its own underwriting.

Blockchain Bureau is the score most people have already seen without knowing it. Since February 2025, Etherscan has shown its credit-risk label on address cards, and 3Jane uses it alongside Cred.

Zeru zScore is a 0-1000 behavioural score, banded from High Risk (0-249) to Very Low Risk (750-1000) in Zeru's documentation. It can be minted into zPass, a non-transferable token, so another protocol can read it on-chain. Its emphasis is risky behaviour rather than repayment history alone.

The other seven are inputs, not verdicts. A perfect credit score on one wallet means little if the same person runs fifty wallets, which is what the humanness services are for. A clean wallet with no vouches is a stranger, which is what Ethos and Talent measure. And a high score on a wallet that received stolen funds last week is a trap, which is what Webacy catches.

How can you check your own wallet's score for free?

Most of the scores above can be seen in under ten minutes, without paying and without sending a transaction. Open each with the wallet you would borrow from:

• Etherscan. Search your address; the address page shows cards from several providers, including Webacy's safety score and Blockchain Bureau's credit label.
• Cred Protocol: score.credprotocol.com, by connecting a wallet.
• Human Passport: app.passport.xyz. Adding stamps raises your score; the app treats 20 as the pass mark.
• Ethos: app.ethos.network. Search any address.
• Nomis: nomis.cc. Minting the result as a token costs a fee; seeing it does not.
• Zeru zScore: through zPass; minting zPass has a one-time fee.
• Unlloo: app.unlloo.com/reputation shows the 0-1000 score lenders see.

A score check needs, at most, a signature that proves you own the wallet. If a "credit score checker" asks you to approve a token, send funds or enter a seed phrase, it is a drainer, not a score.

Expect the numbers to disagree. Each service reads different chains, weights different behaviour and treats a new wallet differently, so a wallet can be "Excellent" on one and near zero on another. The pattern across them tells you more than any single number. How to build on-chain credit history with a new wallet covers what raises them and what only time does.

What does no on-chain score see?

No wallet score sees your salary, your bank account, your exchange balance, your debts elsewhere or your other wallets unless you connect them. That is the core limit of the whole category, and the reason 3Jane, an unsecured lender that uses two of these scores, does not rely on wallet data alone.

According to 3Jane's documentation, its underwriting combines Cred Protocol and Blockchain Bureau scores with a traditional VantageScore pulled through a privacy-preserving proof, bank data through Plaid, and balances on exchanges and in DeFi. In other words, the most data-hungry lender in the space treats on-chain scores as one input among five.

Three more gaps worth knowing:

• New wallets score low everywhere. A thin file is not a bad file, but every service here reads it the same way.
• Scores can be farmed. Activity can be manufactured, which is why humanness and peer vouching sit next to credit scores.
• Repayment data is scarce. Most DeFi borrowing is over-collateralized, so a wallet can have years of activity and no record of repaying a loan that could actually default. Every repaid unsecured loan adds a fact these models are short of.

Which scores do lending protocols actually use?

The public record is thin, but a few links are documented. 3Jane reads Cred Protocol and Blockchain Bureau. Credit, Divine Research's small-loan vault, requires an Orb-verified World ID, so it uses humanness instead of any credit score (details in our protocol comparison). Morpho and Spark use Credora's ratings to judge lending markets, not borrowers, after RedStone relaunched it in November 2025. Cred Protocol's site lists further integrators; we did not confirm each one.

The trend is clear: no protocol trusts a single number. The ones that lend without collateral stack a credit model, a humanness check and some off-chain or social signal.

How does Unlloo's score use these services?

Unlloo's 0-1000 score blends two layers: 60% comes from outside services, including Human Passport, Zeru zScore, Ethos Network, Webacy and growthepie, and 40% comes from our own model of wallet history, read through Blockscout across Ethereum, Arbitrum, Base, Avalanche and Optimism. If an outside service is unavailable, the remaining weights are rebalanced so the score still adds up. The anatomy of on-chain reputation explains each part.

Two things make it different from a bank-style score. The contract does not check it: any wallet can post a request, and the score is information for lenders, who each decide whether to make an offer and at what rate. And it is not yet built from Unlloo repayments. When it is, each repaid crowd loan will feed straight into the next request. Until then, the first lenders are usually people who know the borrower, as the first five requests on Ethereum showed.

Which score should you look at?

It depends on which side of the loan you are on and what you need to rule out.

For a step-by-step look at a borrower's wallet beyond any score, read how to check a borrower's wallet before you lend.

How did we check this, and how can you re-check it?

Every row comes from the service's own documentation or site first and dated reporting second, opened on 11 November 2026. Where we could not confirm a scale or a status from a primary source, we left it out rather than guess, which is why some cells say less than third-party summaries do. Scores and products in this space change fast. If a row about your service is wrong, tell us through the Telegram link in our site footer and we will correct it with a date.

Sources

1. Cred Protocol, documentation, opened 11 November 2026. The 300-1000 range, the five bands, the scoring factors and the networks read.
2. Cred Protocol, free score check, opened 11 November 2026.
3. Cred Protocol, pricing, opened 11 November 2026. A free API tier and paid plans.
4. 3Jane, documentation, opened 11 November 2026. Underwriting inputs: Cred Protocol and Blockchain Bureau scores, VantageScore through a zkTLS proof, Plaid bank data and on-chain and exchange balances.
5. Altcoin Buzz, "Etherscan adds credit scores for wallets", 10 February 2025. Blockchain Bureau's credit-risk labels on Etherscan address cards.
6. Zeru, zPass and zScore documentation, opened 11 November 2026. The 0-1000 scale, its four risk bands, the wallet-score API and the zPass token.
7. ZeruAI, website, opened 11 November 2026. Customer list, including Unlloo.
8. Human Passport, documentation, opened 11 November 2026. Stamps, Models, the threshold of 20 used by the Passport app, and that core Stamps and Embed are free.
9. Human Passport, blog, opened 11 November 2026. The acquisition of Gitcoin Passport by the Holonym Foundation, announced 10 February 2025, and the rename.
10. World, World ID documentation, opened 11 November 2026. Credential types and on-chain verification.
11. Coinbase, "verifications" repository, opened 11 November 2026. Verified Account and Verified Country attestations issued through the Ethereum Attestation Service on Base.
12. Ethos Network, whitepaper, opened 11 November 2026. Reviews, vouches and the credibility score; the 0-2800 range is from Ethos's developer documentation.
13. Talent Protocol, website, opened 11 November 2026. Banner: acquired by IPTS, with support from Protocol Labs.
14. ChainCatcher, on the Talent Protocol acquisition, 20 August 2026. Builder Score kept as a public product; API and Talent+ shut down at the end of August; $TALENT excluded.
15. Nomis, website, opened 11 November 2026. The 0-100 score and the paid token mint.
16. Webacy, "Screen a wallet for risk", opened 11 November 2026. Risk categories and levels.
17. Webacy, "Etherscan brings Webacy Safety Score to Etherscan cards", dated 6 July 2026 on Webacy's blog.
18. Decrypt, on Spectral's launch of Syntax, 26 March 2024. Spectral's move to AI agents.
19. Spectral Labs, website, opened 11 November 2026. Describes agent infrastructure; no MACRO score.
20. Brave New Coin, "Gora announces merger with RociFi", 5 April 2024.
21. RedStone, blog, opened 11 November 2026. The Credora acquisition (4 September 2025) and its relaunch on Morpho and Spark (6 November 2025).
22. Unlloo, "The anatomy of on-chain reputation". The services Unlloo reads and the 60/40 blend.