You’re creditworthy. Your country’s credit system can’t see it.
Qard reads your real history across Ethereum, Base, Arbitrum and Solana and computes a live credit score — 300 to 900, in about 60 seconds — then shows you the credit line we’ll open the day you sign up and pass KYC.
Read-only. The signature proves the wallet is yours — it costs no gas, moves nothing, and grants no spending permission. No email needed to see your score.
Real output shape, real formulas. Your numbers will be your own.
Illustrative cohort shapes from the model’s own scorecard. One global curve — a Manila developer on $1,200/mo and a Berlin freelancer on $4,000/mo are scored against each other, never against their neighbours.
Every time you choose crypto over a bank, you get poorer on paper.
You’ve been paid on time for three years. You hold a buffer. You’ve never missed an obligation. And when you apply for credit, a bureau in your country looks at a file that says nothing, because your income landed in a wallet.
Five rungs. Each one optional.
Each one visibly moves the number.
You watch your own score tighten and your limit rise as you connect more. Stop at any rung — you keep whatever you have earned.
Connect a wallet
EVM or Solana. We ask for a signature to prove the wallet is yours — it costs no gas, moves nothing, and grants no spending permission. Prefer not to sign? Paste an address and get a preview score instead.
Add the rest of your wallets
We score your top five by activity and net out transfers between them, so moving your own money never reads as salary. Then we go looking for the ones you did not mention.
Prove your income
Payroll, bank, or a payout statement from Deel, Wise, Payoneer or Upwork. This is the heaviest factor in the model by a distance — and it is what turns your limit from a range into a number.
Stake something public
Bind a real account — X, GitHub, LinkedIn. Ten of those points are for binding at all. A 200-follower engineer who stakes their real name outranks an anonymous 50k account.
Reserve your place
You get your score, your factor breakdown, your three biggest gaps and your estimated line. Then you take a place in the queue — ranked by score, not by signup time.
What we read. What we can never touch.
“Connect wallet” has been trained into you as “drained wallet.” So here is the exact contract, in full.
- Public transaction history across Ethereum, Base, Arbitrum and Solana
- Token and native balances, sampled daily rather than as a spot snapshot
- Who pays you, how often, how consistently, and whether they also pay 300 other people
- Public sanctions, mixer and exploit lists, checked against every wallet in your cluster
- Anything else only if you explicitly connect it
- Request a token approval, an allowance, or any transaction
- Ask for a private key or seed phrase — no legitimate product ever will
- Move, lock or custody a single unit of anything you hold
- Report anything to a credit bureau, or touch any score you hold elsewhere
- Sell your data. One click deletes everything we computed
The score and the limit are
two different numbers.
The score answers how likely are you to repay. The limit answers how much can we lose. Conflating them is the classic mistake, and it is why most on-chain “credit scores” are really just a balance check with extra steps.
Your limit is capped at a fraction of your verified monthly income, scaled by how confident we are, and it ratchets: $100 → $250 → $500 → $1,000 → $2,000 → $3,000, one step per clean cycle. Everyone starts at the bottom. That is deliberate — it is the single most effective control we have, and it means we never have to guess big.
Positive factors accumulate. Risk imposes a ceiling. A wallet two hops from a sanctioned address does not get to offset that with a large balance — and a card line in the hands of a Friday-night perp trader is leverage, not credit. We screen for that first.
| Score | Band | What it means |
|---|---|---|
| 300–479 | Building | Thin file |
| 480–579 | Emerging | Some signal, unproven |
| 580–679 | Established | The core Qard borrower |
| 680–779 | Strong | Prime by global standards |
| 780–900 | Prime | Top of the global curve |
Everyone else is a waitlist
with a nice font.
We pulled the competition apart. The category standard is a landing page that promises a score behind an email capture and computes nothing. Here is the difference, laid out plainly.
The questions you actually have.
Is this a loan application?
No. It is a score, plus an estimate of the line Qard will open once you sign up and pass KYC. Qard sign-up launches soon and lending goes live market by market — we will tell you the moment yours does. Nothing here is a credit offer, and nothing here affects any credit score you hold elsewhere.
What exactly does connecting my wallet let you do?
Read public data, and nothing else. The signature we ask for is an off-chain message proving you control the address — the same mechanism used to log in to a dapp. It cannot authorise a transfer, an approval or a transaction. If you would rather not sign at all, paste your address: you get the same score with a lower verification level, which caps a portion of the points until you prove ownership.
Why does pasting an address score lower than connecting?
Because anyone can paste any address. Every input in the model carries a verification level, and unverified data earns partial credit — 40% of face value. Prove the wallet is yours and those points come back in full. It is the same mechanic that makes connecting your income worth up to 180 points.
I have several wallets. Does showing more help or hurt?
Showing more helps, up to a point. We net out transfers between wallets you control, so moving your own money can never read as salary. Beyond four wallets there is a small penalty — many wallets correlates with farming, not wealth. And we run cluster discovery anyway, so an undeclared wallet with real activity is worse than a declared one.
Is a big balance enough?
No, and this is where most on-chain scoring gets it wrong. Balances are borrowable by the hour, so we never use a spot number. We use a 180-day time-weighted average and a hard 90-day minimum, which means a balance topped up this morning is worth nothing. Capital is only 15% of the model. Income is 45%.
What kills a score fastest?
Sanctions or mixer proximity — that is a hard stop, not a deduction. After that: casino volume above 10% of inflows, memecoin churn with sub-48-hour holds, heavy perp leverage, and an airdrop-farm funding pattern. Rejecting the worst behaviour is worth more to us than ranking the middle, so we screen for it before anything else.
Which countries?
Scoring is worldwide, on one global curve. We never rank you against your national peers — that would rebuild exactly the system you are routing around. Country enters in two places only: the sanctions gate, and which income connectors we can offer you. Lending launches market by market.
What happens to my data?
Public chain data stays public. Anything you connect is yours to revoke in one click, and deleting your score deletes the stored inputs behind it. We are not a credit bureau, we do not report to one, and we do not sell scores.
Find out what you’re worth
to a lender who can actually see you.
About 60 seconds. No account. No email until you want your place in the queue.
Read-only. The signature proves the wallet is yours — it costs no gas, moves nothing, and grants no spending permission. No email needed to see your score.