Scoring methodology

Composite revenue-coverage score: indexed on-chain x402 revenue + one Reclaim-verified off-chain revenue figure, banded into tiers that map to credit limits and a dynamic (utilization-based) APR — computed identically on both the backend (scoring/) and on-chain (revenue_math), so the two never drift apart.

The full mechanics — effective revenue, score bands, repayment adjustment, tier mapping, credit ramps, and the on-chain risk engine — are documented in detail in How the credit engine works §2–4. This page is intentionally short; that one is the ground-truth reference.