> ## Documentation Index
> Fetch the complete documentation index at: https://blackswan-23965643.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

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

> GET /v1/credit/{wallet} — Returns complete credit profile including trust ratio, tier, APR, loan totals, and default count for any EVM wallet.

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.

<ParamField path="wallet" type="string" required>
  The EVM wallet address to query (e.g. `0x4EEA76237a91880B1c8B7a1c740610fFC0306EE4`).
</ParamField>

<ParamField query="network" type="string">
  The network to query. Accepted values: `amoy` (default) or `sepolia`.
</ParamField>

## Endpoint

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

## Request Examples

<CodeGroup>
  ```bash Amoy (default) theme={null}
  curl https://api.blackswanfinance.xyz/v1/credit/0x4EEA76237a91880B1c8B7a1c740610fFC0306EE4
  ```

  ```bash Sepolia theme={null}
  curl "https://api.blackswanfinance.xyz/v1/credit/0x4EEA76237a91880B1c8B7a1c740610fFC0306EE4?network=sepolia"
  ```
</CodeGroup>

## Response — 200 OK

```json theme={null}
{
  "trustRatio": 7700,
  "trustTierScore": "C",
  "currentApr": 142,
  "totalBorrowedUsd": "99",
  "totalRepaidUsd": "99",
  "successfulLoans": 1,
  "defaults": 0
}
```

<ResponseField name="trustRatio" type="number">
  Trust score for the wallet, ranging from `0` to `10,000`. A higher value indicates stronger on-chain credit history.
</ResponseField>

<ResponseField name="trustTierScore" type="string">
  Credit tier letter assigned based on the trust ratio. Possible values: `A`, `B`, `C`, `D`, or `E`, where `A` is the highest tier.
</ResponseField>

<ResponseField name="currentApr" type="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%`).
</ResponseField>

<ResponseField name="totalBorrowedUsd" type="string">
  Cumulative USD value of all loans the wallet has taken out, returned as a string-encoded number.
</ResponseField>

<ResponseField name="totalRepaidUsd" type="string">
  Cumulative USD value of all loans the wallet has successfully repaid, returned as a string-encoded number.
</ResponseField>

<ResponseField name="successfulLoans" type="number">
  Total count of loans that were fully repaid without default.
</ResponseField>

<ResponseField name="defaults" type="number">
  Total count of loans that resulted in a default. A value of `0` indicates a clean repayment history.
</ResponseField>

## 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.                      |