Evidence first.

Creditworthiness evidence grows with proven economic risk successfully carried, not transaction count.

Integrate changing outstanding principal over observed time: E = Σ(P × Δt). Use exact rational arithmetic and native USDC-seconds/days. Do not assume historical USDC equals USD.

Full comparability requires supported independent control, terms, borrower-funded satisfaction, matching security/type and sustained principal/duration. Abnormal patterns are factual diagnostics, not fraud labels or predictions.

Read the complete versioned calculation and comparison specification

Methodology: acb-evidence/0.1.0. Source adapter: base-pilot/0.2.0. No global score, loan recommendation or limit.