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

# Get a credit score
curl -H "Authorization: Bearer sk_live_..." \
  https://api.creditrails.xyz/v1/score/GBZXFMN7AJ4K9PQRST...

# Verify a credential
curl -X POST \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{"jwt": "eyJhbGciOiJFZERTQSIs..."}' \
  https://api.creditrails.xyz/v1/verify

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