BlackSwan Trust Ratio: On-Chain Creditworthiness Score

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What Is the Trust Ratio?

• Repayment history — whether you repay loans on time
• Loan volume — the total amount you have borrowed and repaid
• Time active — how long your wallet has been participating in lending
• Default count — the number of loans you have failed to repay

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Trust Ratio Tiers

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Querying the Trust Ratio

import { BlackSwanClient } from "blackswan-sdk";

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

const score = await client.getTrustRatio("0xYourWalletAddress");

console.log("Trust Ratio:", score.trustRatio);
console.log("Trust Tier:", score.trustTier);

from blackswan import BlackSwanClient

client = BlackSwanClient(api_key="YOUR_API_KEY")

score = client.get_trust_ratio("0xYourWalletAddress")

print("Trust Ratio:", score["trustRatio"])
print("Trust Tier:", score["trustTier"])

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

{
  "wallet": "0xYourWalletAddress",
  "trustRatio": 8450,
  "trustTier": "B"
}

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Improving Your Trust Ratio

1. Start with small loans — Early loans establish your history. Keep initial amounts manageable so you can repay them comfortably.
2. Always repay on time — On-time repayment is the single most important factor in growing your score.
3. Increase loan volume gradually — As you build a repayment track record, larger loans that are repaid successfully contribute positively to your score.
4. Avoid defaults at all costs — A single default can significantly set back your Trust Ratio. See How Loan Defaults Affect Credit for more detail.
5. Stay active over time — A longer history of responsible lending carries more weight than a short burst of activity.