GET /v1/credit/{wallet} — Full Wallet Credit Profile

This endpoint returns the full credit dashboard for a wallet — including its trust ratio, credit tier, current APR, borrowed and repaid totals, and loan performance history. Use it whenever you need a single, comprehensive view of an address’s on-chain creditworthiness.

string

required

The EVM wallet address to query (e.g. 0x4EEA76237a91880B1c8B7a1c740610fFC0306EE4).

string

The network to query. Accepted values: amoy (default) or sepolia.

Endpoint

GET https://api.blackswanfinance.xyz/v1/credit/{wallet}

Request Examples

curl https://api.blackswanfinance.xyz/v1/credit/0x4EEA76237a91880B1c8B7a1c740610fFC0306EE4

curl "https://api.blackswanfinance.xyz/v1/credit/0x4EEA76237a91880B1c8B7a1c740610fFC0306EE4?network=sepolia"

Response — 200 OK

{
  "trustRatio": 7700,
  "trustTierScore": "C",
  "currentApr": 142,
  "totalBorrowedUsd": "99",
  "totalRepaidUsd": "99",
  "successfulLoans": 1,
  "defaults": 0
}

number

Trust score for the wallet, ranging from 0 to 10,000. A higher value indicates stronger on-chain credit history.

string

Credit tier letter assigned based on the trust ratio. Possible values: A, B, C, D, or E, where A is the highest tier.

number

The wallet’s current annual percentage rate expressed in basis points. Divide by 1000 to convert to a percentage (e.g. 142 ÷ 1000 = 0.142%).

string

Cumulative USD value of all loans the wallet has taken out, returned as a string-encoded number.

string

Cumulative USD value of all loans the wallet has successfully repaid, returned as a string-encoded number.

number

Total count of loans that were fully repaid without default.

number

Total count of loans that resulted in a default. A value of 0 indicates a clean repayment history.

Error Codes

Status Code	Meaning
`400`	Invalid wallet address — the address is malformed or not a valid EVM address.
`404`	Wallet not found — no credit profile exists for this address on the specified network.
`500`	Server error — an unexpected error occurred on the BlackSwan API.

​Endpoint

​Request Examples

​Response — 200 OK

​Error Codes

Endpoint

Request Examples

Response — 200 OK

Error Codes