Reading on-chain history across every protocol — portable credit scores, delivered per query.
Your whole credit story, in one place.
One passport that follows your customers across every way they borrow onchain.
Three steps turn everything you've done on-chain into credit you can use anywhere.
We read your full borrowing history across every major lending protocol — Aave, Morpho, Maple and more.
It distills into one FICO-style number, 0–900, recalculated in real time as you keep transacting.
Your score travels with you — to stablecoin cards, BNPL, loans and mortgages, on-chain or off.
Lenders price risk with precision. Borrowers carry one reputation everywhere. The same passport powers both.
Every company that extends credit has the same first question — who am I lending to? Blocrate answers it in a single API call, so a buy-now-pay-later app, a neo-bank, or a centuries-old lender moving on-chain can underwrite from day one: real limits, no deposit, no cold start, no guesswork.
Split any checkout into payments, underwritten by a real on-chain score instead of a thin, cold-start guess.
Give every new user a score from their first transaction.
Issue spending power backed by reputation, not collateral.
Move your existing customers — and their entire off-chain credit history — on-chain in an afternoon, no migration, no lost reputation.
Lend undercollateralised, with risk priced to the person.
Bring mortgages and RWA lending on-chain with a credit basis.
Blocrate is infrastructure, not a counterparty. We turn data your borrowers control into one score — and never touch a dollar of capital, or hold a cent of risk.
Blocrate scores; you lend. We never custody funds, hold deposits, or take positions — there's no Blocrate wallet anywhere in the loop.
No balance sheet, no book of loans. We're a pure data layer — so our incentives never conflict with the lenders or borrowers we serve.
One transparent, auditable 0–900 model — benchmarked and back-tested against real repayment outcomes, the way traditional credit scoring is.
Scores are computed from on-chain history the borrower consents to share, and delivered per request — never warehoused, never resold.
A single, security-audited endpoint. Priced per query, live in an afternoon — with SOC 2 and formal model audits on the roadmap.
One API call returns a borrower's 0–900 score. Price risk precisely, lend undercollateralised, and bring your offchain customers onchain — live in an afternoon.