Lender screening
Screen borrower wallets before extending credit. One API call returns an underwriting data package you can use to evaluate trustworthiness, financial health, estimated monthly income, and estimated loan capacity.
Why lenders use OnFRA
On Celo, underwriting often relies on collateral and balances. What's missing for MiniPay earners and stablecoin freelancers is proof of income from onchain activity. OnFRA fills that gap with:
- Recurring stablecoin inflow patterns and weekly consistency
- Wallet reputation score (0–100) from maturity and behavior
- Estimated loan capacity range with confidence level
- Trustworthiness flag derived from onchain financial signals
Integration flow
- Borrower provides wallet address (and optionally a REP passport ID)
- Your backend calls
POST /api/lender/screenwith x402 payment (0.01 USDT) - Use
trust.isTrustworthy, reputation, income, and lending capacity to apply your rules - Optionally verify REP passport via
GET /api/agent/verify/{id}
Screen endpoint
curl -X POST https://wallet-profile-orpin.vercel.app/api/lender/screen \
-H "Content-Type: application/json" \
-H "X-PAYMENT: <x402-signature>" \
-d '{
"walletAddress": "0xBorrowerWallet...",
"callerAddress": "0xYourLenderWallet..."
}'callerAddress is required — the lender wallet that pays 0.01 USDT via x402 on Celo mainnet.
Response fields
- trust.isTrustworthy — boolean trustworthiness flag
- income — monthly estimate, stability label, weekly consistency
- lending — min/max USD capacity, confidence, and risk category
- scores — financial health and wallet reputation scores
Schema: lenderScreenResult.schema.json
REP passport
Sample passport
You can view an example of a generated REP passport. The PDF contains verified financial signals including the wallet's health score, estimated income, and transaction summary.
Verify onchain
Borrowers can purchase a verified financial passport (REP-{id}) for 0.10 USDT. Verify it in your flow:
curl https://wallet-profile-orpin.vercel.app/api/agent/verify/REP-X141GYYEUM