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The formula

All integer maths, rounded down once per component. Where cycles counts qualifying cycles and defaults, and repaid counts qualifying cycles only.

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What qualifies

A cycle counts only if it was:
  1. Repaid to zero by its due date,
  2. Open at least minCycleDuration (60 s on testnet, 7 days in production), and
  3. Used at least 10% of the limit at its peak.
Anything else settles the debt and adds nothing. Partial repayments never count. This is what makes the score hard to farm.

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Worked example

150 AUSD of collateral, no yield.
1

New account

Score 0. Ratio 150%. Limit = 150 / 1.5 = 100.00 AUSD.
2

One cycle, drew 50 (50% of the limit)

Record = 40 × 1 × 1 / 3 = 13. Consistency = 20 × 1 / 10 = 2. Volume = 40 × 5000 / 100000 = 2. Score 17. Ratio = 150% − 70% × 0.17 = 138.10%. Limit = 150 / 1.381 = 108.61 AUSD.
3

Three cycles at 80%

Record = 40. Consistency = 6. Volume = 40 × 24000 / 100000 = 9. Score 55. Ratio 111.50%. Limit = 134.52 AUSD.
These exact numbers are checked as literals in the contract’s tests, and were reproduced live on Monad testnet.

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Above score 72

The ratio crosses 100% at score 72. From there, your limit is larger than your collateral: that is real credit, earned by your record. The risk it creates for lenders is paid for by the yield fee. See Lender pool.