FourPi

On-chain credit score and perks that power safer borrowing and rewards across DeFi
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Open the app, connect a wallet, and watch a live profile of your financial reputation take shape. FourPi builds a portable score from your on-chain activity—repayments, positions, liquidity, and volatility—plus optional off-chain data you choose to link. You decide what to share with granular permissions and can revoke access anytime. The dashboard breaks down what drives your score, highlights risks, and suggests concrete fixes like enabling auto-repay, smoothing cash flow, or diversifying collateral. A non-transferable credential captures your standing so you can carry it across networks and dApps without re-onboarding.

Ready to borrow? Head to the offer hub and see pre-qualified terms from partner pools tailored to your profile. Compare collateral requirements, rates, limits, and timelines in one screen. Use the simulator to test scenarios—"What if I repay in 14 days?" or "How much can I unlock if I stake X?"—then confirm with a single signature. FourPi schedules reminders, supports auto-pay from chosen wallets, and updates your score the moment repayments land. As your reliability grows, you unlock better terms and a tiered catalog of benefits: trading fee discounts, boosted APY on eligible pools, priority support, travel and lifestyle deals, and early access to token launches. Claim perks in-app and track progress toward the next tier with clear, actionable milestones. more

Review summary

Features

  • Portable, non-transferable on-chain reputation credential
  • Privacy controls with permissioned data sharing and revocation
  • Machine learning score with factor breakdown and improvement tips
  • Offer hub with pre-qualified, score-based lending terms
  • Scenario simulator for collateral, rate, and duration planning
  • Auto-repay, reminders, and instant score updates
  • Tiered rewards: fee discounts, APY boosts, allowlists, partner perks
  • SDK and API for score-based parameters and access control
  • Zero-knowledge attestations
  • no raw data exposure to integrators
  • Real-time webhooks for score changes and risk adjustments
  • Multi-wallet and cross-chain support
  • Reports and CSV export to finance tools

How It’s Used

  • Individual borrower: secure lower collateral on a short-term loan and automate repayment
  • Yield optimizer: unlock boosted APY tiers by maintaining a strong repayment streak
  • DAO treasury: obtain a revolving credit line with score-based limits and automated disclosures
  • DeFi protocol: integrate risk-adjusted LTV and dynamic APR via SDK and webhooks
  • NFT rental platform: gate rentals by reputation using zero-knowledge attestations
  • Creator community: grant premium access or roles based on proven reliability
  • Grants program: prioritize applicants with clean repayment and diversified activity
  • Freelance payouts: milestone-based releases tied to on-chain performance
  • Personal finance: weekly checklist to reduce utilization and improve terms
  • Airdrops and allowlists: target reputable participants without doxxing

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