Pillars
| Pillar | ~weight |
|---|---|
income_capacity | 28% |
credit_history | 24% |
financial_position | 20% |
behavioural | 16% |
identity_trust | 8% |
network_trust | 4% |
Actual weights in score_factors.score_trace.dynamic_weights.
Obligations
credit_data.obligations : live Kamino positions at scoring time:
positions[].ltv
positions[].headroom_to_liquidation
positions[].borrow_utilization
History
credit_data.credit_history:
total_borrows
total_liquidations
repayment_rate
total_flash_loans
Lifetime totals in affordability.kamino_history_summary.
Income / flows
credit_data.transfer_network:
income_sources
income_concentration
circular_pairs
counterparty_retention
Trust web
credit_data.trust_web : scores income sources, funder chain, collateral quality, protocol trust.
Attestation
attestation.verify_url : verify at credit-api.fairscale.xyz.
Field lookup
| Task | Path |
|---|---|
| Live LTV | credit_data.obligations.positions[].ltv |
| Liquidations | credit_data.credit_history.total_liquidations |
| APR range | underwriting.lending_terms.suggested_apr_range |
| Max line | underwriting.lending_terms.max_credit_line |