Category: onchain credit-intelligence infrastructure / DeFi underwriting-and-reputation control plane / agentic trust-scoring API
Summary: Cred Protocol is best cataloged as an onchain credit-intelligence and trust-evaluation control plane rather than as a generic wallet analytics dashboard, vanity reputation score, or simple DeFi data API. In this pass, the clearest first-party evidence came from the official site, the docs introduction and chain-coverage pages, the authentication guide, and the docs-wide llms.txt index. Together those materials describe a platform that turns multichain wallet history, DeFi borrowing positions, identity attestations, and agent-oriented reputation signals into programmable credit scores, reports, SDK and middleware surfaces, and both subscription-style or pay-per-request access. The key distinction is that Cred is packaging underwriting-grade trust evaluation for wallets, applications, and AI agents rather than merely visualizing onchain activity.
What it does:
Generates credit scores in a 300-1000 range for blockchain addresses based on onchain activity
Aggregates wallet and protocol data across 10+ chains, with especially deep lending coverage on Ethereum and Base plus tracked positions in Aave and Compound
Incorporates identity and reputation signals such as ENS, Basename, Gitcoin Passport, POAPs, Goldfinch UID, and sybil-detection analysis
Supports both API-key authentication and x402 pay-per-request authentication with USDC on Base and SKALE, including no-account-required access
Exposes agent-facing surfaces including MCP services, SDKs, Express/Hono/Next.js/FastAPI middleware, and onchain agent-reputation endpoints and registries
Key claims:
The homepage frames Cred Protocol around “Trust and transparency for agentic finance,” which strongly suggests the product is being positioned as trust infrastructure for autonomous financial workflows rather than just a lending dashboard
The docs introduction says Cred Protocol provides credit scoring and reporting APIs for blockchain addresses and enables developers to assess the creditworthiness of Ethereum addresses using onchain data analysis
The same introduction page says the platform supports multi-chain aggregation, real-time scoring through the Andromeda model, identity verification, and developer-friendly sandbox and SDK workflows
The chains-and-protocols page shows that Cred does not just score raw balances: it explicitly tracks lending and borrowing behavior across Aave and Compound, plus wallet composition, transaction activity, and reputation attestations
The authentication guide says Cred supports x402 payment authentication for instant API access with USDC and no account required, which is a strong clue that the product is optimized for programmatic trust queries rather than only enterprise account sales
The same guide prices operations per Cred Unit and documents 402 Payment Required flows, Base/SKALE support, and immediate request-level settlement semantics
The docs-wide llms.txt index shows a much broader product surface than a single score endpoint, including MCP services, agent feedback submission, sybil detection, middleware packages, SDKs, and use cases like capital-efficient or undercollateralized lending
The llms.txt index also exposes agent registry and reputation endpoints under an ERC-8004-oriented surface, reinforcing that Cred is evolving toward agentic reputation infrastructure in addition to borrower scoring
Whitepaper: No canonical standalone Cred Protocol whitepaper or litepaper surfaced in this pass. The clearest current source of truth was the official site, the docs portal and llms.txt index, the chain-coverage and authentication guides, and the public GitHub organization; see ../whitepapers/cred-protocol-primary-sources-2026-05-03.md.