Scoring Methodology

A detailed look at how confidence scores, risk profiles, and the Net Asset Index are computed.

Overview

Every asset in your portfolio is scored on two dimensions: how confident we are in the data (confidence score) and how risky the asset is as collateral (risk profile). These combine to produce your net asset index.

Confidence Score

Each asset receives a confidence score from 0 to 100, measuring data trustworthiness.

score = α · sourceQuality
      + β · freshness
      + γ · verification
      + δ · completeness

α + β + γ + δ = 1.0. Weights are calibrated against historical lending outcomes and re-tuned periodically; specific values are proprietary.

Dimensions

Dimension	Weight	What It Measures
Source Quality	α	How trustworthy the data source is (wallet, bank, document, image)
Freshness	β	How recent the valuation date is — older data decays in confidence
Verification	γ	Whether the asset can be independently verified (ticker lookup, on-chain)
Completeness	δ	Whether all required fields are present (name, class, amount, date)

Confidence Levels

Level	Score Range	Meaning
High	80 – 100	Data is well-verified and recent
Medium	60 – 79	Some uncertainty — missing fields or aging data
Low	Below 60	Significant uncertainty — unverified or stale

Source Quality Tiers

Sources are ranked by how independently we can verify the data. Higher tiers feed stronger confidence scores.

Tier	Source Type	Rationale
Tier 1	Crypto Wallet	Cryptographic proof, on-chain, immutable
Tier 1	Bank Connection	Institution-verified via regulated API
Tier 2	PDF / CSV / XLS	Structured document, user-uploaded
Tier 3	Image (screenshot)	Low verifiability, easily edited

Document name matching is coming soon — verified documents where the account holder name matches your profile move up a tier.

Risk Profile

Each asset receives a risk profile scoring how volatile, illiquid, and uncertain it is as collateral.

compositeRisk = α · volatility
              + β · illiquidity
              + γ · floorGap

α + β + γ = 1.0. Weights are calibrated per asset class and re-tuned periodically; specific values are proprietary.

Risk Dimensions

Dimension	Weight	What It Measures
Volatility	α	Historical price volatility — how much the value fluctuates
Illiquidity	β	How difficult it is to sell quickly at fair value
Floor Gap	γ	Uncertainty in the minimum realizable value

Risk Labels

Label	Composite Score	Example Assets
Very Low	0 – 20	Cash, stablecoins, government bonds
Low	21 – 40	Large-cap equities, ETFs
Moderate	41 – 60	Small-cap equities, corporate bonds
High	61 – 80	Private assets, alt-coins
Very High	81 – 100	Highly speculative assets

Asset Class Risk Profiles

Each asset class has a tuned risk profile. Bands below summarise the calibrated values; exact scores are proprietary.

Asset Class	Subclass	Volatility	Liquidity	Floor Confidence
Public Equity	Large Cap	Low	Very High	High
Public Equity	Small Cap	High	Moderate	Low
Digital Asset	Stablecoin	Very Low	Very High	Very High
Digital Asset	Major (BTC/ETH)	Moderate	Very High	Moderate
Digital Asset	Alt-coin	Very High	Moderate	Very Low
Fixed Income	Government	Very Low	Very High	Very High
Cash	—	Very Low	Very High	Very High
Real Estate	Residential	Very Low	Very Low	High
Private Asset	Business	Moderate	Very Low	Low

Net Asset Index

Your portfolio receives a net asset index from A+ to D based on two factors: average confidence and portfolio risk.

NAI	Recommended LTV
A+	80%
A	70%
B+	60%
B	50%
C+	40%
C	30%
D	20%

Confidence-Adjusted Value

Your net worth is adjusted by applying haircuts based on confidence level.

Confidence Level	Haircut Magnitude
High (80+)	Minimal
Medium (60-79)	Moderate
Low (below 60)	Significant

Exact haircut percentages are calibrated and proprietary; the higher the confidence band, the smaller the adjustment.

The confidence-adjusted value is what lenders use to assess your borrowing capacity.

Snapshot Diffing

Each time you generate a report, the platform compares it to your previous snapshot. You will see which assets were added, removed, or changed in value, along with the overall change in net worth.

Connecting Sources Understanding Reports