What is CreditRails?

CreditRails reads on-chain Stellar financial activity and converts it into a verifiable credit profile — one users carry across every application, without exposing raw transaction history.

Portable

Score lives in a user-owned W3C Verifiable Credential, not locked in a database

User-controlled

Credential lives in the user's wallet — they present it, revoke it, and own it

Real-time

Every confirmed Stellar ledger event can update the credit score in 4.2s

Verifiable

Any party can verify a credential without contacting CreditRails servers

Quick Start

# Public dry-run score — no auth needed, testnet
curl "http://localhost:4000/api/public/score/GBRPYHIL2CI3FNQ4BXLFMNDLFJUNPU2HY3ZMFSHONUCEOASW7QC7OX2H?network=testnet"

# Admin route + on-chain commit (testnet only)
curl -H "x-admin-token: $ADMIN_TOKEN" \
  -X POST "http://localhost:4000/api/score/GBZX.../commit?network=testnet"

Note:All API responses are JSON. Dates follow ISO 8601. Amounts are in their native asset denomination unless otherwise noted.