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ON-CHAIN CREDIT SCORING

Your Vault History.
Your Credit Score.

NexCredit is an on-chain credit scoring protocol built natively into NexVault. Your deposit history, lock commitment, protocol loyalty, and behavior are scored from 0 to 1000. Private by design — only you can see your score.

CHECK YOUR SCORE
CREDIT TIERS
Seven Credit Tiers

Each tier is deliberately hard to reach. Elite requires years of commitment, significant capital, and the 5-Year lock. Under 1% of wallets will ever qualify. The protocol founder wallet holds permanent Elite status (1000/1000) on-chain.

0
NO HISTORY
No deposits
1-149
DORMANT
Active deposit, early stage
150-299
BUILDING
$5K deposited, some time
300-499
ESTABLISHED
$5K+, 3YR lock, 6mo+
500-699
TRUSTED
$25K+, 3YR lock, 1yr+
700-849
SENIOR
$25K+, 5YR lock, 2yr+
850-1000
ELITE
$100K+, 5YR lock, 3yr+
SCORING MODEL
How Scores Are Calculated

1000 points total across four categories. Scores are computed live from on-chain data every time you check — nothing is stored, nothing can be manipulated.

DEPOSIT STRENGTH
250 pts

Based on total active USDX deposited across all your locked positions.

Any active deposit+30 pts
≥ $5,000 USDX active+50 pts
≥ $25,000 USDX active+80 pts
≥ $100,000 USDX active+90 pts

Cumulative. $100K gets all four bonuses = 250 pts.

LOCK COMMITMENT
250 pts

Points for the highest active lock tier. Not cumulative — only the best tier counts.

1-Year Lock active+20 pts
3-Year Lock active+80 pts
5-Year Lock active+250 pts

5-Year lock is the only path to Elite.

PROTOCOL LOYALTY
250 pts

Age of your oldest active deposit. Minimum 60 days before any points. 3 years to max.

≥ 60 days active20 pts
≥ 180 days active50 pts
≥ 365 days active100 pts
≥ 730 days active175 pts
≥ 1,095 days (3yr)250 pts

Not cumulative — the bracket your age falls into determines points.

BEHAVIORAL EXCELLENCE
250 pts

Five independent behaviors. Each earns independently — stack all five for maximum points.

Compounded yield 3+ times+30 pts
5+ lifetime deposits total+50 pts
3+ active referrals+60 pts
Genesis Badge + $5K+ active+60 pts
2+ simultaneous active deposits+50 pts

All five are independent. Max 250 if all conditions met.

🔒
Fully Private. Always.

Your NexCredit score is computed live from on-chain data and is visible only to you. No other wallet can see your score. No fee to check your own score. Nothing is stored on-chain — every query reads directly from vault history in real time.

SELF-CHECK
Free. Always.
STORED DATA
Zero. Live computed.
EXTERNAL ACCESS
None. Private.
OPEN DASHBOARD
FAQ
Common Questions

Everything you need to know about how NexCredit works.

When does my score update?
Your score is recalculated live every time you check it. There is no cached value — it reads directly from your current vault state on-chain.
Can I see another wallet's score?
No. The smart contract enforces this at the code level. Any call from a wallet that is not the score owner or the protocol OWNER will revert with a NotAuthorized error.
Why is Elite so hard to reach?
Elite requires $100K deposited, an active 5-Year lock, 3 years of continuous protocol loyalty, and behavioral consistency. All conditions must be met simultaneously. This makes it a genuine mark of extraordinary commitment — under 1% of wallets will qualify.
Does my score affect my yield?
Not at this time. NexCredit is informational — it reflects your protocol standing and may be used by future Nexus ecosystem protocols to gate access or offer preferential terms.
Where is the contract deployed?
NexCredit.sol will be deployed on Nexus mainnet at launch. The contract address will be published here and verifiable on the Nexus block explorer. Source code is open at github.com/NexVaultGH/nexvault-contracts.