Loan History: Complete Borrowing Record for Any Wallet

BlackSwan maintains a complete, immutable borrowing record for every wallet that has interacted with the protocol. This loan history is publicly queryable on-chain and through the BlackSwan API, giving lenders and protocols the data they need to make informed credit decisions without relying on centralized intermediaries.

What Is Tracked

Every time a wallet borrows through BlackSwan, the following metrics are updated:

Field	Type	Description
`totalLoans`	integer	Total number of loans ever taken by the wallet
`successfulLoans`	integer	Number of loans fully repaid on or before the deadline
`defaults`	integer	Number of loans not repaid by the deadline
`totalBorrowedUsd`	number	Cumulative USD value of all loans taken
`totalRepaidUsd`	number	Cumulative USD value of all loans successfully repaid

Querying Loan History

You can retrieve the full loan history for any wallet using the BlackSwan SDK or REST API.

import { BlackSwanClient } from "blackswan-sdk";

const client = new BlackSwanClient({ apiKey: "YOUR_API_KEY" });

const history = await client.getCreditHistory("0xYourWalletAddress");

console.log("Total Loans:", history.totalLoans);
console.log("Successful Repayments:", history.successfulLoans);
console.log("Defaults:", history.defaults);
console.log("Total Borrowed (USD):", history.totalBorrowedUsd);
console.log("Total Repaid (USD):", history.totalRepaidUsd);

from blackswan import BlackSwanClient

client = BlackSwanClient(api_key="YOUR_API_KEY")

history = client.get_credit_history("0xYourWalletAddress")

print("Total Loans:", history["totalLoans"])
print("Successful Repayments:", history["successfulLoans"])
print("Defaults:", history["defaults"])
print("Total Borrowed (USD):", history["totalBorrowedUsd"])
print("Total Repaid (USD):", history["totalRepaidUsd"])

curl -X GET "https://api.blackswan.finance/v1/history/0xYourWalletAddress" \
  -H "Authorization: Bearer YOUR_API_KEY"

Example response:

{
  "wallet": "0xYourWalletAddress",
  "totalLoans": 5,
  "successfulLoans": 4,
  "defaults": 1,
  "totalBorrowedUsd": 12000.00,
  "totalRepaidUsd": 9500.00
}

Use Cases

Loan history data is useful in a variety of contexts across the lending ecosystem:

Lenders verifying borrowers — Before extending credit, a lender can query a wallet’s loan history to check repayment reliability and default count, making a data-driven decision on whether to approve a loan.
Displaying a credit profile — Applications can surface a wallet’s borrowing track record directly in their UI, giving users transparency into their own on-chain reputation.
Risk modeling — Protocols and analytics tools can use totalBorrowedUsd, totalRepaidUsd, and default rates to model portfolio risk, set dynamic collateral requirements, or fine-tune APR calculations.

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Loan History: Complete Borrowing Record for Any Wallet

What Is Tracked

Querying Loan History

Use Cases

​What Is Tracked

​Querying Loan History

​Use Cases

What Is Tracked

Querying Loan History

Use Cases