In spite of my agreement and understanding that point 6 to 8 could help determining the rating of a borrower, I have to agree with jc12345[/] that the rest of the points are rather useless. Point number 1, for instance, if numbers of transaction in one wallet is put into factors, then a holders who preferred one or two coins and store huge amout of these coins in one wallet once every a while would have a lower credit score than an airdrop hunter's wallet who get tons of transaction in microdose.

One other thing that's also should be addressed is point number 5. How does NFT transaction matters? There are a lot of crypto holders who doesn't give a thing or two about NFT. Never buy them or even browsing through opensea --well, I am one of them-- this doesn't automatically made the user has a higher possibility of default than those who spent their funds on NFT.

I would really love to hear you explaining how you decide and considers all 9 of the points raised by jc12345 as a determining factor