FairScore
0–100 reputation composite. Good for Sybil gates and reward weighting. Not a credit score.
Check verified_human separately for identity. Low tx count = less reliable.
Credit score
0–100 underwriting assessment. Uses live obligations, repayment history, income flows. Not a financial statement or legal credit report.
confidence.level and confidence.limitations tell you data quality.
Agent score
0–100 for autonomous agents. Use /score for humans, /v1/score for agents.
Risk bands
| Band | Score |
|---|---|
| prime | 75–100 |
| near_prime | 60–74 |
| subprime | 45–59 |
| deep_subprime | 25–44 |
| decline | 0–24 |
Set your own cutoffs.
Cache
| API | TTL | Bypass |
|---|---|---|
/score | 15 min | ?nocache=1 |
/v1/credit | 15 min | ?nocache=1 |
/v1/score | ~30 min | check meta.from_cache |
Use nocache=1 for lending decisions.