Pawcket
Onchain reputation

Build your credit. Unlock better rates.

An onchain credit score for memecoin and stock lending. Every repayment moves a 300 to 850 score tied to your wallet and published to a public oracle contract that any protocol can read.

Start building creditHow it works
709
Gold

Illustrative example

How it works

Every loan is a building block.

Borrow

Your first loan starts your history. Every borrower begins at 500.

Repay on time

Each settled loan lifts the score. Early repayment earns bonus points.

Level up

Higher scores unlock badges today and rate perks once the tier gated upgrade ships.

Build reputation

The score lives in the credit oracle contract. Portable, verifiable, yours.

Score factors

Six factors. One score.

Computed from onchain events only, weighted by how well each one predicts a default.

Repayment history

35%

On time repayments versus late or liquidated positions. The single biggest factor.

Liquidation history

20%

Fewer liquidations, higher score. Each one weighs against your reputation for a long time.

Loan volume

15%

Total ETH borrowed and settled over the life of the wallet. Larger completed loans signal reliability.

Account age

10%

Time since the first loan. A longer history gives the model more to trust.

Collateral diversity

10%

Number of different tokens used as collateral. Diversified borrowers carry less single token risk.

Engagement

10%

Extensions, top ups and armed exits. Borrowers who manage positions default less.

Credit tiers

Climb higher. Build reputation.

Honest note: today every borrower gets the same terms. Your tier is a reputation signal on the public oracle. Tier gated rates need a contract upgrade that ships once volume justifies the audit.

Getting started

Bronze

300 to 499
  • Full access to every loan tier
  • All approved collateral
  • Build reputation with each repayment
Established

Silver

500 to 649
  • Every new borrower starts here
  • Leaderboard placement
  • Compounds toward Gold and Platinum
Trusted

Gold

650 to 749
  • Badge on the dashboard and leaderboard
  • Trusted borrower signal on the credit oracle
  • First in line for tier gated perks
Elite

Platinum

750 to 850
  • Sustained zero liquidation record
  • Top tier badge
  • First in line for any rate upgrade that ships
Try it

Score simulator.

Try it

Tap actions to see how they move your score.

Illustrative. The live score weighs recent activity more and reads only from loans that actually settled onchain.

Simulated score
500
Silver
300850

Check a wallet

Leaderboard

#WalletScoreTierLoans
10x4aad6a…2de592649silver1

Full leaderboard

Questions

Credit FAQ.

01How do I check my credit score?
Connect your wallet on the dashboard. Your score, tier and history show at the top. It is also readable straight from the credit oracle contract.
02Can my score go down?
Yes. Liquidations and late repayments lower it. Recent activity weighs more, so consistent repayments recover a drop.
03Does my score transfer?
The score is tied to your wallet, which you own. It is published to a public oracle contract, so any protocol on Robinhood Chain can read it.
04How fast can I reach Platinum?
It depends on loan frequency and consistency. Active borrowers reach Gold within a couple of months. Platinum needs sustained volume with a clean record.

Start building your credit today.

Every on time repayment is a step toward better rates and priority access. Your reputation starts now.

Open the dashboardBrowse approved tokens