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World proves there’s a real human behind an account. The Credit API tells you whether you can trust them. It provides real-time creditworthiness data for over half a million World accounts that have borrowed on Credit. This lets you focus your app and incentives on trustworthy users who are less likely to game or farm your system. Unlike traditional credit bureaus with opaque scoring models, this API calculates credit scores purely from verifiable on-chain data. Every data point comes directly from smart contract events.

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How to use it

Send a GET request to: 
https://credit.cash/api/borrower/[identifier]
where [identifier] is either the user’s wallet address or World username. The response is a JSON object with two keys:
  • state: the user’s status on Credit
  • score: the user’s credit score (integer)

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User state

state is one of:
  • INACTIVE: Borrower has no outstanding loan. They could be a new user or never borrowed.
  • ACTIVE: Borrower has an outstanding loan that has not yet passed its overdue deadline.
  • DEFAULTED: Borrower has an outstanding loan that is past due and not fully repaid.

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Credit score

The score is an integer that:
  • Starts at 0 for new users
  • Increases as users successfully repay loans and build a repayment track record
Use these bands to categorize borrowers:
Score rangeBandDescription
0NewNo loan history or no loans timely repaid
1-99BronzeEarly borrower with minimal history
100-299SilverDeveloping credit with some successful loans
300-599GoldEstablished borrower with solid history
600-999PlatinumExcellent track record
1000+DiamondElite borrower with extensive history

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Example

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Query

Get data for user with wallet address 0x764C890E7D96481cBEa64c64C0F9cFF34bFF2Ce7: 
curl -s "https://credit.cash/api/borrower/0x764C890E7D96481cBEa64c64C0F9cFF34bFF2Ce7"

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Response

{
  "state": "INACTIVE",
  "score": 1947
}

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Tips

  • Use score thresholds to shape your rewards and incentives. For example, offer higher rewards to users with high credit scores, who are more likely to be high-quality, and lower rewards to users with low credit scores, who are more likely to engage in fraud.
  • Treat DEFAULTED as a strong risk signal. These accounts are much more likely to have sold their World account or be banned for fraud, so exclude them from sensitive actions like valuable rewards, referrals, and high-impact features.
  • Add extra scrutiny or manual review for low-score users, such as additional verification or smaller caps, instead of blocking them outright. This lets you onboard new but unproven accounts safely.

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Error codes

StatusErrorDescription
400Missing identifierNo wallet address or username provided
404Username not foundWorld username could not be resolved
500Failed to get borrower infoInternal server error

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Support

For support, questions, or suggestions, contact via Telegram: