Spectral
Identity
Best for: Agents needing credit scoring for lending decisions; DeFi credit risk assessment; underwriting automation
Not ideal for: Non-financial agents; real-time (scores update periodically); non-EVM chains
Key Signals
Score Type
On-chain credit scoring
Features
📊
ML-Based On-chain Credit Scores
Spectral's MACRO Score (0–1000) uses machine learning to evaluate on-chain behavior and produce a credit score analogous to a traditional FICO score. Higher scores indicate lower DeFi default risk based on historical loan repayment patterns and portfolio behavior.
🔍
Wallet History Analysis
The scoring model analyzes transaction history, DeFi protocol interactions, liquidation events, collateralization ratios, and repayment behavior across multiple lending protocols. A single API call returns a comprehensive creditworthiness assessment.
🏦
DeFi Activity Scoring
Beyond basic repayment history, Spectral evaluates DeFi sophistication: diversification across protocols, yield farming behavior, governance participation, and portfolio risk management. More sophisticated DeFi actors tend to score higher.
🔌
API Access
Simple REST API: pass a wallet address, receive a credit score and component breakdown. AI lending agents can call this API before approving uncollateralized or undercollateralized loans, automating underwriting decisions that previously required manual review.
Ratings
Ratings based on documentation review, GitHub activity, and public developer reports. Not independently verified in production.
Integration
curl -X GET "https://api.spectral.finance/v1/score?address=0xWALLET_ADDRESS" \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json"
{
"address": "0xWALLET_ADDRESS",
"score": 742,
"risk_level": "LOW",
"components": {
"repayment_history": 0.89,
"credit_utilization": 0.75,
"defi_sophistication": 0.82,
"liquidation_history": 0.95
},
"last_updated": "2026-04-01T12:00:00Z"
}
async function canApproveUncollateralizedLoan(borrowerAddress, loanAmount) {
const res = await fetch(`https://api.spectral.finance/v1/score?address=${borrowerAddress}`,
{ headers: { Authorization: `Bearer ${process.env.SPECTRAL_API_KEY}` } });
const { score, risk_level } = await res.json();
return score >= 700 && risk_level === 'LOW' && loanAmount <= 10_000;
}