Integrating OnFRA

What is OnFRA?

OnFRA (Onchain Financial Reputation Agent) is infrastructure for reading a wallet's public onchain history and returning lender-friendly signals. One address in; structured reputation data out — no bank statements, no manual PDF review.

Core outputs include:

• Monthly income estimate from stablecoin inflows and weekly patterns
• Financial health score (0–100) across income, savings, spending, and risk
• Reputation score and category for trust and maturity
• Loan capacity range with confidence level
• REP passport — verified report with onchain attestation

Who it's for

Lenders & underwriters

Call POST /api/lender/screen before extending credit. Usetrust.isTrustworthy, reputation, average monthly income, and loan capacity range to apply your own underwriting rules.

AI agents & automations

Install the OnFRA skill or discover tools via MCP. Agents can analyze wallets, read cached signals, and verify REP passports.

Apps & dashboards

Embed reputation in your product with the REST API. Cache-first signal endpoints keep reads cheap after the first analysis.

Quick start

1. Install the skill for Cursor, Claude Code, or your agent runtime
2. Pick an endpoint — analyze for full data, screen for lender decisions
3. Add x402 payment when querying external wallets (0.01 USDT per refresh on Celo)
4. Read cached signals for free after analysis

Base URL

https://wallet-profile-orpin.vercel.app

JSON schemas live at https://wallet-profile-orpin.vercel.app/schemas/. MCP manifest at https://wallet-profile-orpin.vercel.app/.well-known/mcp.json.

Supported chains

Celo Mainnet is supported today. Additional EVM chains are planned. All endpoints are Celo-first; wallet addresses are standard 0x EVM format.