Creditbook Score

Five observable components. Up to 1,000 points.

• Repayment activity · 300 points. 30 points per observed repayment event, capped at 300, minus 100 per observed liquidation, floored at zero. Partial repayments count as events; they are not counted as completed loans.
• Current position health · 250 points. The lowest active debt health factor, mapped linearly from 1 (0 points) to 2.5 (250 points). No debt earns no health points.
• Observed account history · 150 points. Days since the first indexed supported interaction, scaled to 365 days. This is not wallet creation age.
• Protocol activity · 150 points. Three points per observed interaction, capped at 150.
• Liquidity contribution · 150 points. 150 × min(1, log10(1 + supplied USD) / 5), rounded to the nearest point.

When we withhold a score

We require at least five interactions across seven days, complete results within the 200-event supported-history query, complete supported positions, and available health and supply valuation data. Otherwise: “Not enough lending history.” We never fill missing history with guesses.

Scope and limitations

Only Creditbook-supported lending markets on Robinhood Chain are included. Wallets can split transactions or capital, so this formula can be gamed. It should not be used for lending decisions. Labels are New (0–199), Active (200–499), Seasoned (500–749), and Veteran (750–1,000). No hidden ML, personal information, or offchain identity data is used.