01
Verifiable
Every live account read is tied to Robinhood Chain mainnet data or clearly marked as unavailable.
Protocol documentationRobinhood Chain · Mainnet 4663
Credit that
shows its work.
The technical guide to Credora: a transparent, portable, and composable reputation layer for RWA and DeFi on Robinhood Chain.
Read the source of truth
Learn what is live today, what the model is designed to measure, and where a protocol can consume verified account context.
NETWORK
Robinhood Chain
Mainnet · 4663
DESIGNED FOR
RWA + DeFi
Portable credit context
CURRENT MODE
Read-only
Verifiable account data
01Overview
A reputation layer between behavior and capital.
Credora turns observable financial behavior into a credit context that can move with an account. Instead of treating every wallet as an unknown borrower, protocols can read a more complete picture of how that account uses liquidity, manages collateral, and handles risk.
The system is designed for the financial activity native to Robinhood Chain: decentralized borrowing, stable liquidity, stock tokens, ETFs, and other real-world-asset exposure. Credora is a context layer; the protocol that consumes it remains responsible for its own risk policy.
02
Explainable
The score is designed to expose the signals behind it instead of hiding risk inside a single number.
03
Composable
Protocols can use reputation as context for terms, limits, access, and risk controls.
02CRED score
One score. Every signal.
CRED is the protocol's intended reputation score: a compact way to carry account context across lending markets, credit lines, and RWA applications. The target design uses a 300–850 range, but a number is only meaningful when its source and breakdown can be verified.
Target range
300—850
A design specification, not a live score for an account.
01
Observe
Account behavior and positions
02
Explain
Signals with readable context
03
Compose
Terms chosen by each protocol
03Signal framework
A score should show its work.
These are the signal families the scoring model is designed to evaluate. They are dimensions of context, not promises of a specific outcome. Weighting, normalization, freshness, and protocol-specific thresholds must be published with the live oracle before a score can be treated as production data.
SignalWhat it observesLens
01Repayment history
Consistency and timeliness across borrowing activity.
Reliability02Collateral health
How safely a position is collateralized over time.
Solvency03Liquidation history
Past liquidation events and the behavior around stressed positions.
Stress response04Portfolio consistency
Stability of holdings and exposure across the account.
Consistency05Portfolio volatility
The level and shape of risk taken by the wallet.
Risk profile06Wallet age
The observable history and maturity of the account.
Continuity07Stablecoin activity
Patterns of stable liquidity and dollar-denominated activity.
Liquidity08Borrowing behavior
How credit is used, managed, and returned over time.
Credit use04RWA module
Real assets. Real context.
RWA exposure changes the shape of credit. The module is designed to account for holding duration, collateral health, portfolio concentration, and the behavior of tokenized financial assets alongside traditional DeFi signals.
Asset context
Stock tokens, ETFs, stablecoins
Position health
Collateral and concentration
Market registry
Canonical token contracts
Behavioral layer
Holding and transfer activity
Current registry
Robinhood Chain Stock Tokens
The live account view reads each registered ERC-20 contract directly for decimals, total supply, and—when an address is inspected—account balance. Transfers are decoded from the standard ERC-20 Transfer event.
Inspect the live market registry05Chain data
Mainnet reads, anchored to a block.
The account console is intentionally read-only. It confirms the network, anchors results to the latest observed block, and exposes the exact categories of data that are available from the chain today.
ReadPurpose
eth_chainIdConfirms the connected data source is Robinhood Chain mainnet.eth_blockNumberAnchors each read to the latest observed block.eth_gasPriceShows the current network gas price in the account view.eth_getBalanceReads native ETH balance for an inspected address.eth_getTransactionCountReads the account nonce for an inspected address.eth_callReads ERC-20 decimals, total supply, and account balance.eth_getLogsFinds verifiable Stock Token transfer events.Chain ID
4663
Native asset
ETH · 18 decimals
Activity window
50,000 blocks
06Integration
Give protocols better context.
A consuming protocol can use a reputation layer to inform its own risk-adjusted decisions: loan-to-value, rates, limits, collateral rules, or access. Credora does not replace those policies; it makes account context portable enough to be considered.
01 account → reputation context
02 signals → readable breakdown
03 protocol → local risk policy
The production oracle contract and pinned ABI are not published yet.
Lending
Risk-aware terms
RWA
Asset-aware underwriting
Insurance
Behavioral context
07Data integrity
If it cannot be verified, it stays unavailable.
Credora avoids filling gaps with estimated scores, invented balances, simulated prices, or synthetic repayment histories. A live value must come from a known chain read or an official, cryptographically verifiable scoring source.
When a read fails, the interface keeps the failure visible instead of silently converting it into zero or a stale number. This preserves the distinction between no activity, unavailable data, and an actual negative signal.
Source-bound
Known contract or official source
Read-only
No wallet writes in the console
Explicit gaps
Unavailable stays unavailable
08Live status
The data surface is live. The oracle comes next.
Robinhood Chain network data and canonical Stock Token contract reads are available now in the account view. The CRED score remains pending until an official oracle address, pinned ABI, or verifiable indexer source is available for mainnet.
Current protocol status
Awaiting oracle source
No score is shown until its provenance can be checked.
Explore the verified data surface
Inspect an address or browse the canonical market registry.