BlackSwan Trust Ratio: On-Chain Creditworthiness Score

The Trust Ratio is BlackSwan’s core creditworthiness metric — a score from 0 to 10,000 derived entirely from on-chain lending behavior.

The Trust Ratio is BlackSwan’s primary measure of a wallet’s creditworthiness. Instead of relying on personal identity or off-chain credit bureaus, BlackSwan derives the Trust Ratio entirely from verifiable on-chain lending behavior — making it permissionless, transparent, and censorship-resistant.

What Is the Trust Ratio?

Your Trust Ratio is a score between 0 and 10,000. A higher score means a stronger credit reputation on-chain. Every wallet starts with no score and builds one over time by participating in the BlackSwan lending ecosystem.

The score is calculated from the following factors (exact weighting is intentionally undisclosed):

• Repayment history — whether you repay loans on time
• Loan volume — the total amount you have borrowed and repaid
• Time active — how long your wallet has been participating in lending
• Default count — the number of loans you have failed to repay

Trust Ratio Tiers

Your Trust Ratio maps to a letter tier that lenders and protocols use to quickly assess 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 the Trust Ratio

You can retrieve the Trust Ratio for any wallet using the BlackSwan SDK or REST API.

JavaScript

import { BlackSwanClient } from "blackswan-sdk";

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

const score = await client.getTrustRatio("0xYourWalletAddress");

console.log("Trust Ratio:", score.trustRatio);
console.log("Trust Tier:", score.trustTier);

from blackswan import BlackSwanClient

client = BlackSwanClient(api_key="YOUR_API_KEY")

score = client.get_trust_ratio("0xYourWalletAddress")

print("Trust Ratio:", score["trustRatio"])
print("Trust Tier:", score["trustTier"])

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

Example response:

{
  "wallet": "0xYourWalletAddress",
  "trustRatio": 8450,
  "trustTier": "B"
}

Improving Your Trust Ratio

Building a strong Trust Ratio takes consistent, responsible on-chain borrowing behavior. Here are the most effective steps you can take:

1. Start with small loans — Early loans establish your history. Keep initial amounts manageable so you can repay them comfortably.
2. Always repay on time — On-time repayment is the single most important factor in growing your score.
3. Increase loan volume gradually — As you build a repayment track record, larger loans that are repaid successfully contribute positively to your score.
4. Avoid defaults at all costs — A single default can significantly set back your Trust Ratio. See How Loan Defaults Affect Credit for more detail.
5. Stay active over time — A longer history of responsible lending carries more weight than a short burst of activity.