Credit exists on-chain.
But access is broken.
Real financial activity is moving on-chain, but everyday users still face a fragmented, complex, and unproductive experience.
Fragmented ecosystem
Credit signals live across disconnected Stellar apps with no unified view. Users jump between wallets, explorers, and protocols just to understand their standing.
No consumer-friendly discovery
On-chain reputation is not presented in a way everyday users can read. There is no simple place to explore, compare, or share credit like other crypto assets.
Idle wallet history
Most on-chain activity sits unused after it happens. It does not unlock better rates, liquidity, or lending access across the ecosystem.
A better way to access
on-chain credit
ZCore unifies discovery, scoring, and access in one consumer-ready credit layer built for Stellar.
Check your portable score
Get a 0-850 score from verified Stellar activity. Instantly, permissionlessly, and without paperwork.
Share proof with lenders
Portable breakdown any protocol can read. Better tier means lower collateral and tighter risk bands.
Discover your tier
See max LTV, estimated default, and APR ranges in one place. You decide how much risk to take.
Stack partner events
Escrows, loans, and tandas from partner protocols boost your score over time, all verified on-chain.
Three steps. Zero bullshit.
From wallet to credit score in seconds, powered by data that can't be faked.
Connect your wallet
Your Stellar address is your identity. G-prefix, 56 chars. No email. No password. No signup friction.
We read the chain
Horizon pulls your history. Partner protocols feed verified events: escrows, loans, tandas, all on-chain.
Score drops. Rates drop.
Get a 0-850 breakdown you can share with any lender. Better tier = lower collateral, tighter default band.
Partner protocols
Every verified event stacks points. More activity = higher score = better access.
Trustless Work
Escrow completions verified on Stellar
escrow_completed+60ptsBlend Protocol
Loan repayments that prove reliability
loan_repaid+80ptsVaquita
Tanda cycles: community credit, on-chain
tanda_cycle_complete+100ptsBuilding on Stellar? Become a partner
0-850. Fully transparent.
Two engines. One score. Stellar base activity (150 pts max) + partner events (700 pts max). Every point traceable to on-chain proof.
Stellar Base
Age, volume, success rate, balance
max 150 pts
Partner Events
Escrows, loans, tandas, verified by protocols
max 700 pts
Score composition at maximum
Credit tiers
Risk bands in percentages, not loan offers. Lenders and protocols decide how much exposure they take on each wallet.
Indicative only. ZCore does not lend, set rates, or guarantee any exposure. You choose the risk.
One API. One question answered.
“Has this wallet been reliable with money on Stellar?” Integrate ZCore and make lending decisions with on-chain proof, not guesswork.
{
"score": 687,
"tier": "A",
"breakdown": {
"stellarBase": 142,
"eventsScore": 545,
"totalEvents": 23,
"platforms": [
"trustless-work",
"blend-protocol",
"vaquita"
]
}
}We have all the answers you need
Find answers about ZCore, our mission, technology, and how you can participate.
ZCore is an all-in-one platform that unifies access to on-chain credit on Stellar. Users can discover their score, share portable proof, and unlock better lending terms through verified wallet activity. The platform aggregates multiple protocols and partner events into a single interface. ZCore also offers APIs so other apps can integrate credit scoring.
ZCore reads Stellar base activity via Horizon (wallet age, volume, success rate, balance) and partner protocol events (escrows, loans, tandas). Two engines produce one 0-850 score with a full transparent breakdown.
No banks, no forms, no gatekeepers. Your wallet is your identity. Scores are built from on-chain proof that cannot be faked, portable across the Stellar ecosystem, and fully transparent.
ZCore is built for Stellar. Wallet addresses use the G-prefix format. Partner protocols on Stellar testnet and mainnet feed verified events into the scoring engine.