Understanding BlackSwan Credit Scores and Trust Tiers

BlackSwan credit scores are derived from real on-chain lending behavior. Learn what metrics make up a credit score and how tiers are assigned.

BlackSwan credit scores give lenders a reliable, trustless way to assess borrower risk without relying on off-chain identity or centralized data providers. Every score is computed entirely from verifiable on-chain lending activity, so any protocol or wallet can query and act on it in a permissionless way.

Credit Score Components

When you query a wallet’s credit score, BlackSwan returns a structured object with the following fields:

Field	Type	Description
trustRatio	integer	Core creditworthiness score, from 0 to 10,000
trustTier	string	Letter grade derived from the Trust Ratio (A–E)
currentApr	integer	Current borrowing APR in basis points
successfulLoans	integer	Number of loans fully repaid on time
defaults	integer	Number of loans not repaid by the deadline

Credit Tiers

Your trustTier is automatically assigned based on your trustRatio. Tiers are used by lenders and DeFi protocols to quickly classify borrower risk.

Score Range	Tier	Meaning
9000–10000	A	Excellent
8000–8999	B	Good
7000–7999	C	Average
6000–6999	D	Building
0–5999	E	New or risky

Querying a Credit Score

You can fetch the full credit profile for any wallet — including trust ratio, tier, APR, and loan counts — using the BlackSwan SDK or REST API.

JavaScript

import { BlackSwanClient } from "blackswan-sdk";

const client = new BlackSwanClient({ apiKey: "YOUR_API_KEY" });

const dashboard = await client.getCreditDashboard("0xYourWalletAddress");

console.log("Trust Ratio:", dashboard.trustRatio);
console.log("Trust Tier:", dashboard.trustTier);
console.log("Current APR (bps):", dashboard.currentApr);
console.log("Successful Loans:", dashboard.successfulLoans);
console.log("Defaults:", dashboard.defaults);

from blackswan import BlackSwanClient

client = BlackSwanClient(api_key="YOUR_API_KEY")

dashboard = client.get_credit_dashboard("0xYourWalletAddress")

print("Trust Ratio:", dashboard["trustRatio"])
print("Trust Tier:", dashboard["trustTier"])
print("Current APR (bps):", dashboard["currentApr"])
print("Successful Loans:", dashboard["successfulLoans"])
print("Defaults:", dashboard["defaults"])

curl -X GET "https://api.blackswan.finance/v1/credit/0xYourWalletAddress" \
  -H "Authorization: Bearer YOUR_API_KEY"

Example response:

{
  "wallet": "0xYourWalletAddress",
  "trustRatio": 8450,
  "trustTier": "B",
  "currentApr": 750,
  "successfulLoans": 12,
  "defaults": 0
}

Improving Your Credit Score

Improving your BlackSwan credit score is straightforward — it rewards consistent, responsible borrowing behavior over time.

1. Take small loans first

   Start with modest loan amounts that are easy to repay. Early loans establish your on-chain credit history and form the foundation of your score.

2. Repay on time

   Timely repayment is the most impactful action you can take. Each successful repayment strengthens your trustRatio and successfulLoans count.

3. Increase volume gradually

   Once you have a repayment history, taking on larger loans — and repaying them — demonstrates growing creditworthiness and boosts your score further.

4. Avoid defaults

   Defaults are recorded permanently on-chain and have the most significant negative impact on your score. See How Loan Defaults Affect Credit for recovery guidance.

Defaults significantly decrease your Trust Ratio and can drop you into a lower trust tier, resulting in higher borrowing costs. There is no automatic recovery — you must rebuild your score through consistent repayments over time.