Reputation Scoring

Cred.Hub aggregates three major data streams:

• On-Chain Activity: Transaction histories, staking records, DAO votes, NFT engagements, lending and borrowing patterns.

• Peer Ratings: Community endorsements, upvotes/downvotes, trust reviews, and role-based validations.

• Off-Chain Verifications: KYC checks, social credentials (LinkedIn, GitHub), academic/professional certificates, and third-party attestations.

These streams are run through Cred.Hub’s AI-optimized scoring engine, which dynamically weights factors by context, applies time decay (so recent behavior matters most), and detects anomalies that could indicate manipulation.

Dimension	Example Data	Impact on Score
Financial Behavior	Repayment history, staking commitment	Affects creditworthiness, lending access
Social Trust Signals	Endorsements, reviews, DAO reputation	Impacts governance power, community role
Verified Credentials	KYC, verified affiliations	Opens access to sensitive or premium use cases