On-chain reputation
On-chain reputation is a measure of how trustworthy a wallet is, computed from public blockchain data: transaction history and account age across chains, protocol activity, portfolio value, and attestations from identity and verification services. It plays the role a credit score plays in traditional lending — but it is derived from open data rather than a private bureau file, and it follows the wallet, not a national identity. In under-collateralized lending, reputation is what lets lenders price a borrower they have never met.
What goes into an on-chain reputation score?
Two kinds of signal. First, raw wallet history: how long the wallet has existed, how consistently it transacts, what it holds, and how it has behaved across multiple networks. Second, third-party attestations — services that verify personhood, flag risky counterparties, or score professional and social credibility — aggregated into one number.
No single source decides the score; each contributes a weighted part, so gaming one signal moves the total far less than building genuine history does.
Can a new wallet have good reputation?
Mostly no, and that is by design — reputation is earned through history. A fresh wallet starts near zero and grows its score by transacting, holding, and verifying identity over time. This makes reputation expensive to fake: abandoning a wallet means abandoning the history that made it creditworthy.
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