NOS Credit Engine
NOSNext Onchain Solution

Onchain credit assessment

Enter a wallet address. NOS reads its live position across 6 chains — balances, Aave lending health, perp exposure — prices it in real time, and maps the result to a credit score and lending limit.

Live · betaReal multi-chain reads. Balances, Aave v3 health and ENS across Ethereum, Arbitrum, Base, Optimism, BNB and Robinhood Chain, plus Hyperliquid & Lighter perps — read live and priced in real time. Backward-looking factors (liquidation history, exact wallet age) are approximated without a data-provider key.
Try:
Result — coverage —
—
/ 1000
—
—
3005406908501000
Max LTV
—
Credit line
—
Base APR
—
Risk vitals
Model confidence —. Vitals are derived from lending positions, perp and options margin accounts, and DEX liquidity.

Score composition

A weighted sum of six factors. Each factor has a fixed policy weight and a 0–100 sub-score; the point contribution to the 1000-scale score is shown for every one.

FactorWeightSub-scoreContribution

Position and liquidation risk

The open derivatives book is reconstructed leg by leg: leverage, notional, mark, and the price that triggers liquidation. This is the fastest-moving driver of onchain default.

InstrumentSizeLev.EntryMarkLiq. priceuPnL
Stress and tail risk

Methodology

Deterministic and reproducible. Same address, same block, same score. Every input comes from public chain state.

Pipeline
  1. Entity resolution. Cluster related wallets and screen for Sybil patterns and identity attestations (ENS, Gitcoin Passport, POAP).
  2. Balance-sheet reconstruction. Index lending, perps, options, and LP positions into one assets and liabilities view.
  3. Derivatives risk. Compute health factor, aggregate leverage, liquidation distance, and 95% VaR on the live book.
  4. Factor scoring. Map each dimension to a 0–100 sub-score with calibrated feature functions.
  5. Composite and limits. Weighted aggregation to a 0–1000 score, then translate to LTV, credit line, and APR.
Factor weights
Rating bands
GradeScoreClassMax LTV
AAA / AA760–1000Prime68–80%
A690–759Near-prime58–67%
BBB620–689Near-prime48–57%
BB540–619Subprime34–47%
B / CCCbelow 540High risk0–33%
Live data sources
Chains
Ethereum, Arbitrum, Base, Optimism, BNB, Robinhood Chain
Lending
Aave v3 (read live per chain)
Perps
Hyperliquid, Lighter (read by wallet address)
Identity
ENS reverse resolution
Prices
CoinGecko (real-time)
Not address-queryable
Aster, edgeX, Variational — CEX-style APIs need the user's own key