Cred Protocol primary sources — 2026-05-03

Project status in this pass

• No canonical standalone Cred Protocol whitepaper or litepaper surfaced.
• The clearest current source of truth is the official site, docs portal, authentication and coverage guides, the docs-wide llms.txt index, and the public GitHub organization.
• Cred Protocol is best understood as an onchain credit-intelligence and trust-evaluation control plane rather than as a simple wallet-scoring widget or generic analytics API.

Primary-source snapshots

1) Official site / top-level positioning

• URL: https://credprotocol.com/
• Key excerpt:
  • The homepage frames Cred Protocol around “Trust and transparency for agentic finance.”
  • Even though the fetched homepage text was sparse, that positioning matters because it points toward trust infrastructure for autonomous financial workflows rather than generic consumer credit tooling.

2) Docs introduction / core product framing

• URL: https://docs.credprotocol.com/introduction
• Key excerpt:
  • The docs say Cred Protocol provides credit scoring and reporting APIs for blockchain addresses.
  • They say developers can assess the creditworthiness of Ethereum addresses using onchain data analysis.
  • The page highlights credit scores, credit reports, identity verification, sandbox testing, multi-chain support, and a 300-1000 score range.

3) Chains & protocols coverage / underwriting inputs

• URL: https://docs.credprotocol.com/chains-and-protocols
• Key excerpt:
  • The coverage page says Cred aggregates onchain data across 10+ blockchain networks including Ethereum, Base, Polygon, Arbitrum, Optimism, Avalanche, BNB Chain, Celo, Scroll, and Linea.
  • It explicitly tracks lending and borrowing behavior across Aave and Compound, with Ethereum and Base described as the deepest lending-coverage environments.
  • The same page shows that trust inputs extend beyond balances into identity and reputation signals such as ENS, Basename, Gitcoin Passport, POAPs, Goldfinch UID, and Anima Reputation.
  • It also documents x402 support on Base and SKALE, which is unusual for a credit-scoring API and strongly signals programmatic per-request access.

4) Authentication guide / access model

• URL: https://docs.credprotocol.com/guides/authentication
• Key excerpt:
  • The authentication guide documents two access paths: bearer-token API keys and x402 payment authentication with USDC and no account required.
  • It explicitly describes the 402 Payment Required flow, request-level settlement, and pricing at $0.01 per Cred Unit.
  • Supported x402 networks include Base and SKALE, with CDP and dirtroad.dev facilitators noted.

5) llms.txt index / agent and SDK surface

• URL: https://docs.credprotocol.com/llms.txt
• Key excerpt:
  • The docs-wide index exposes a broad API surface for scores, reports, identity attestations, sybil detection, sandbox flows, SDKs, and middleware packages.
  • It also lists MCP services, agent tools, reputation-summary endpoints, feedback submission, and agent-registry methods.
  • This matters because it shows Cred is building toward a larger trust-and-reputation control plane for developers and AI agents, not merely a single scoring endpoint.

6) Public GitHub organization

• URL: https://github.com/credprotocol
• Key excerpt:
  • The public GitHub organization is linked from the docs and surfaced in search results as “Decentralized Credit Scoring.”
  • Its presence reinforces that the platform has a real implementation footprint beyond marketing copy.

Working conclusion

Cred Protocol is best cataloged as an onchain credit-intelligence and trust-evaluation control plane. The decisive evidence in this pass was the combination of multichain wallet scoring, explicit DeFi lending-protocol coverage, identity and sybil signals, x402-enabled no-account access, and an agent-oriented surface spanning MCP tools, reputation APIs, and middleware. It looks much closer to programmable underwriting and trust infrastructure than to a generic wallet analytics product.