Solvency
30%Margin buffer, liquidation distance, and ability to absorb adverse moves without forced unwind.
Methodology
How HyperCredit scores wallets
HyperCredit is a solvency and credit-behavior desk — not a PnL leaderboard and not a lending protocol. Scores reflect how likely a wallet is to stay solvent under stress, not how skillfully it trades.
Pillars & weights
Composite score is a weighted blend of five on-chain pillars.
Credit behavior
25%Repayment discipline, leverage cycling patterns, and history of healthy position management.
Capital depth
20%Account equity scale, collateral quality, and capacity to meet margin calls.
Counterparty hygiene
15%Exposure concentration, related-wallet clustering, and interaction with known risk venues.
Stability
10%Score volatility over time, funding consistency, and resilience across market regimes.
Score bands
| Band | Range | Interpretation |
|---|---|---|
| Excellent | 750+ | Deep buffers; low liquidation proximity. |
| Strong | 650–749 | Healthy credit with manageable risk spikes. |
| Fair | 550–649 | Adequate solvency; watch leverage cycles. |
| Weak | 400–549 | Compressed buffers; elevated unwind risk. |
| Distressed | <400 | Chronic insolvency risk; frequent forced exits. |
Solvency ≠ trading skill
A wallet can be highly profitable and still credit-weak if it runs razor-thin margin. Conversely, a quiet account with deep collateral and clean counterparty hygiene can score excellent without posting spectacular PnL. HyperCredit measures who stays solvent— not who timed the tape.
Transparent methodology. On-chain inputs. No black-box FICO cosplay.