Trust Signals
zDrop, zLend, and zScreen expose ZeruAI trust oracles to protocols, credit providers, payment companies, and exchanges.
Three APIs, one trust layer
Wallet screening
Wallet screening built on a money-flow graph spanning eleven years of Ethereum history. Supports compliance-adjacent workflows, payment risk, and counterparty intelligence.
- Wallet risk screening
- Pre-transaction checks
- Source-of-funds context
Behavioral credit signals
Loan-size-aware cashflow underwriting for lending, credit, and payment applications. One call returns 70+ liquidity, stability, and risk metrics for any wallet, with a plain-language credit signal.
- Borrower segmentation
- Credit-readiness scoring
- Repayment behavior analysis
Smarter airdrops and incentives
Helps protocols improve airdrops, token launches, incentive programs, and reward allocation.
- Sybil-aware allocation
- Wallet quality ranking
- Airdrop eligibility
Wallet screening
Wallet screening built on a money-flow graph spanning eleven years of Ethereum history. Supports compliance-adjacent workflows, payment risk, and counterparty intelligence.
Measured across the zScreen money-flow graph, July 2015 to present. Counts include internal contract transfers that never surface in standard block explorers.
Sanctions match, guaranteed
Every wallet on the OFAC sanctions list is flagged, without exception. The list check is a deterministic match that runs before the model and cannot be overridden by it.
Indirect exposure detection
Scores reflect value that reaches a wallet through intermediaries, not just direct counterparties. Detects peel chains, fan-outs, round-trips, and shared intermediaries.
Every alert explained
Each score ships with the features that drove it, their direction of effect, and the share of the 200-model ensemble that agreed, plus a confidence weight tied to data completeness.
Wallet risk screening
Pre-transaction checks
Source-of-funds context
Suspicious behavior indicators
Counterparty risk reports
Enhanced due-diligence triggers
zScreen complements regulated AML and KYT systems, it doesn’t replace compliance judgment.
Behavioral credit signals
Loan-size-aware cashflow underwriting for lending, credit, and payment applications. One call returns 70+ liquidity, stability, and risk metrics for any wallet, with a plain-language credit signal.
Loan-aware liquidity
Median balances, minimum balance floors, and the share of days a wallet could cover the requested loan size, over 30, 60, and 90-day windows.
Cashflow stability
Inflow frequency and variability, recurring counterparties, and an income-like inflow flag for deposits that arrive on a salary-shaped rhythm.
Risk events
Balance-to-zero events, largest single-day outflow, and drawdown depth, duration, and recovery, so one bad week is not mistaken for a pattern.
Trend signals
Recent activity measured against lifetime baselines: balance, inflow, outflow, and netflow trends, each labeled increasing, flat, or decreasing.
Stablecoin vs total wallet
Every metric is computed for stablecoin holdings and the full wallet separately, with mismatch flags when portfolio value masks thin spendable liquidity.
Credit verdict
A primary credit signal, a wallet context signal, and plain-language underwriting commentary, with data-quality flags when history is too thin to judge.
Behavioral score
A 0 to 1000 zScore with percentile, risk level, and a computed tag and one-liner summarizing how the wallet behaves.
Score breakdown
The five components behind the score: wealth, consistency, protocol diversity, token diversity, and gas behavior, each as a share of the total.
Financial and activity metrics
Lifetime inflow, outflow, and total value in USD, gas spending patterns, and the protocols and categories the wallet actually uses.
Borrower segmentation
Credit-readiness scoring
Repayment behavior analysis
Undercollateralized lending support
Differentiated yield access
Underwriting workflows
zLend complements collateral data, KYC, and human review, it doesn’t replace underwriting.
Smarter airdrops and incentives
Helps protocols improve airdrops, token launches, incentive programs, and reward allocation.
Sybil resistance
Behavioral scoring separates farmed wallets from real users: account age, funding patterns, activity consistency, and cross-protocol history that sybil farms struggle to fake.
Quality over quantity
Rank every eligible wallet by score band and protocol category, so allocations weight toward wallets that actually use protocols like yours.
Dumping-risk signals
Token-level conviction signals and past exit behavior show who holds through volatility and who sells on day one, before you size their allocation.
Sybil-aware allocation
Wallet quality ranking
Airdrop eligibility
Reward tiering
Dumping-risk analysis
Launch allocation
Trust signals, not guarantees
ZeruAI outputs are decision-support signals, not guarantees, compliance clearance, or credit approvals. High-stakes decisions deserve human review.
Build on trust signals
Tell us what you are building and we will get you access to the right API.
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