CONFIDENTIAL & PROPRIETARY © 2026 Inkwell Finance, Inc. All Rights Reserved. This document is for informational purposes only and does not constitute legal, tax, or investment advice, nor an offer to sell or a solicitation to buy any security or other financial instrument. Any examples, structures, or flows described here are design intent only and may change.
Overview
Your credit report is your financial identity on Leviathan. It combines your on-chain history into a single score between 0 and 1000 that determines your borrowing eligibility, interest rates, and credit limits. The Credit Reports page in the app gives you full visibility into your score and the factors that drive it.Your Credit Score
Every borrower on Leviathan has a credit score stored on-chain:
Your score is updated periodically as new on-chain data becomes available. The Credit Reports page shows your current score, your tier, and how your score has changed over time.
What Influences Your Score
Your credit score is derived from multiple factors based on your on-chain activity:Trading Performance
Your historical trading results across on-chain markets. Consistent, risk-managed performance contributes positively, while excessive losses or erratic behavior may lower your score.Portfolio Management
How you manage positions over time — diversification, position sizing, and risk exposure. Disciplined portfolio management signals lower lending risk.Market Experience
The breadth and depth of your on-chain activity. Longer track records with diverse market participation demonstrate reliability.Repayment History
If you’ve previously borrowed on Leviathan, your repayment behavior is a strong factor. On-time repayments and clean loan closures significantly boost your score. Defaults or late payments have a lasting negative impact.Volume and Consistency
Sustained, consistent activity carries more weight than sporadic large transactions. Regular engagement across markets demonstrates ongoing operational capacity.How to Improve Your Score
1
Build On-Chain History
A longer, more diverse on-chain track record improves your score. Consistent activity across markets demonstrates reliability to the scoring system.
2
Manage Risk Carefully
Disciplined position sizing and risk management contribute positively. Avoid outsized positions that could result in large losses.
3
Repay Loans on Time
If you have existing Leviathan loans, timely repayment is one of the strongest positive signals. Clean loan closures significantly boost your score.
4
Maintain Consistency
Steady, sustained activity is valued over sporadic bursts. Regular engagement shows operational stability.
Reading Your Credit Report
The Credit Reports page displays:Privacy Model
Leviathan’s credit scoring balances transparency with privacy: What’s on-chain (public):- Your credit score (0–1000)
- Your risk tier classification
- Score update timestamps
- Loan repayment history
- Raw trading data and transaction history
- Detailed portfolio analysis
- Model inputs and scoring calculations
- Personal identifying information
Credit scores are computed by an ML pipeline that analyzes public on-chain data. You do not need to submit documentation or undergo manual review. Your on-chain track record speaks for itself.
Score Updates
Scores are not updated in real time with every transaction. Instead, the scoring pipeline periodically reassesses borrowers based on new on-chain data. The frequency of updates depends on:- Whether you have an active loan (more frequent updates)
- Whether your on-chain activity has changed materially
- Protocol-wide scoring cycles