CrediFi
How it works

On-chain history,
priced fairly.

CrediFi turns your HashKey Chain activity into a credit score, and uses that score to lower the collateral you need to borrow. Here's exactly how it works, end-to-end.

The Problem

DeFi treats every wallet the same.

Today, on-chain lending requires you to lock up more value than you borrow — often 150% or more. That makes credit unusable for anyone without spare capital sitting idle, even wallets with a perfect repayment record.

The Solution

Reputation as collateral.

CrediFi reads your public on-chain history and produces a 0–1000 credit score. Higher scores unlock lower collateral ratios — down to 50% for Tier A wallets. Your behavior on-chain becomes the capital you didn't have.

The Flow

Four steps, no paperwork.

  1. 01

    Connect your wallet

    Link any HashKey Chain address. CrediFi reads only public on-chain data — we never see private keys, seed phrases, or off-chain accounts.

  2. 02

    We analyze your on-chain history

    Our model evaluates wallet age, transaction activity, repayment history, and asset diversity — all from HSK Chain only. Scoring is computed off-chain for speed, then signed and committed on-chain through the CrediFi Oracle. No personal data is ever collected.

  3. 03

    You get a credit score and tier

    Scores range 0–1000 and map to tiers A through D. Your tier determines how much collateral you need to borrow — Tier A wallets borrow at 50%, the lowest on HSK Chain.

  4. 04

    Borrow at your tier's ratio — repay to climb

    Repaying on time improves your score for the next loan. Missed or liquidated loans pull it back down. The system is designed to reward consistency, not raw volume.

Tier breakdown

Where you land, what you pay.

APrime
800 – 1000
50%
Multi-year wallets with steady activity, repaid loans, and diversified assets.
BStrong
650 – 799
80%
Active wallets with a positive history and modest diversification.
CStandard
450 – 649
120%
Newer or lightly active wallets with limited repayment history.
DNew
0 – 449
150%
Fresh wallets, or wallets with negative repayment events.
For Lenders

One pool, shared yield.

Lenders deposit into a single shared pool — not peer-to-peer. Borrower interest is distributed pro-rata to depositors as the pool earns. Principal plus accrued yield can be withdrawn at any time, subject to available liquidity.

Single pool
Pro-rata yield
Anytime withdraw
FAQ

Common questions.

Ready to check your score?

Connect a wallet to see your tier and the rate you'd borrow at.

Preview dashboard →