Borrow on score
Your credit line
LCRD SCORE
of 100
Built from your on-chain footprint — DeFi history, stablecoin flows, wallet age — plus your LCRD repayments. Updated continuously, not a stale bureau snapshot.
What builds your score
public on-chain activity · no bureauRepayment history
Every LCRD loan you repay on time is recorded on-chain — this moves your score the most.
Wallet age & consistency
Older wallets with steady, ongoing use rank higher than fresh or dormant ones.
Protocol breadth
Using more of Stellar's DeFi — swaps, lending, liquidity, vaults — shows real, diversified activity.
Transaction volume & flow
Meaningful stablecoin and asset flow through your wallet signals genuine usage.
Verified income
On-chain income you receive — e.g. OSS grants via Drips — adds a cash-flow signal (capped, never lowers your DeFi score).
Classic Stellar activity
Trustlines, payments and a funded, active account round out your footprint.
No credit bureau, no paperwork — just your public Stellar footprint, updated continuously. See the full breakdown → · See live scores across Stellar →
Your limit grows with every on-time repayment
Each completed cycle is recorded on-chain and ladders your limit up (and your APR down).
Connect to see your ladder.
Your line
Connect your wallet to see your line.
Available to draw—
Owed now—
No line yet?
Build credit from zero
An unsecured line is issued once your score and history qualify. You don't have to wait: provide liquidity and borrow against your own deposit (no score needed) — every on-time repayment raises your score toward an unsecured line.
LCRD · borrow on score · testnet