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New to BlackSwan or running into something unexpected? The answers below cover the most common questions from developers integrating the REST API and SDKs. If you don’t find what you’re looking for here, reach out on Discord or by email.
BlackSwan currently supports two testnets: Polygon Amoy and Ethereum Sepolia. Both networks have verified contract deployments and work with all REST API endpoints and SDK methods.Mainnet support for Polygon and Ethereum is planned for v1.1, with Optimism and Arbitrum to follow. See the Roadmap for details.
Any EVM-compatible wallet works with the BlackSwan protocol. This includes:
  • MetaMask — browser extension and mobile
  • WalletConnect — compatible with hundreds of mobile wallets
  • Coinbase Wallet — browser extension and mobile
  • Rainbow — mobile-first Ethereum wallet
As long as the wallet can sign transactions on Polygon Amoy or Ethereum Sepolia, it can interact with the BlackSwan contracts.
No API key is required for testnet access. You can start querying the REST API and using the SDKs immediately without registering or authenticating.For production use — once mainnet launches in v1.1 — managed API keys will be required to access higher rate limits and premium features. To get early access or discuss production requirements, contact contact@blackswanfinance.xyz.
The trust ratio is a score on a 0–10,000 scale derived from four categories of on-chain behavior:
  • Repayment history (40%) — on-time repayments increase your score; late or missed repayments decrease it
  • Loan volume (25%) — the total value and number of loans completed through the protocol
  • Time active (20%) — how long the wallet has been participating in the BlackSwan protocol
  • Default count (15%) — the number of defaults recorded against the wallet
See the Trust Model page for a full breakdown of tiers and APR determination.
Yes. All credit data — trust ratios, loan records, repayment history, and Soulbound Token metadata — is stored in and derived from on-chain smart contracts. No centralized database holds your credit profile.The REST API provides a cached, optimized view of that on-chain data for convenience, but the source of truth is always the blockchain. You can verify any data point directly using the contract addresses and a block explorer.
BlackSwan contracts are deployed on two testnets. See the Smart Contracts page for the full list of addresses and links to block explorers for both Polygon Amoy and Ethereum Sepolia.
The protocol is currently in testnet phase, which means it’s ideal for building and testing your integration but not yet recommended for real-value transactions. Testnet tokens have no monetary value.Mainnet support is coming in v1.1, which will enable production deployments on Polygon and Ethereum. To stay informed or request early access, follow the Roadmap or reach out via email.
A Soulbound Token is a non-transferable NFT — once it’s minted to a wallet, it cannot be sold, sent, or moved to another address. BlackSwan uses an SBT to anchor a wallet’s credit identity on-chain.Because the token is bound to the wallet, your credit history stays with you and can’t be gamed by transferring it to a clean address. Learn more on the Soulbound Token concepts page.