Get Credit Score

Retrieves a farmer’s current on-chain credit score, tier, loan eligibility, and full score history. This endpoint reads directly from CreditScore.sol on Mantle — the data is authoritative and cannot be altered by AsiliChain.

Endpoint

GET /farmers/{farmer_id}/credit-score

Auth: Any valid token. Credit scores are public on-chain — this endpoint simply presents them in a readable format.

Request

curl https://api.asilichain.xyz/farmers/UG-KAS-2024-001234/credit-score \
  -H "Authorization: Bearer {token}"

Response

{
  "farmer_id": "UG-KAS-2024-001234",
  "score": 600,
  "tier": "ENHANCED",
  "score_floor": 0,
  "score_ceiling": 850,
  "loan_eligibility": {
    "eligible": true,
    "max_loan_usdc": 500,
    "ltv_pct": 65,
    "reason": null
  },
  "score_history": [
    {
      "event": "ACCOUNT_CREATED",
      "score_before": 0,
      "score_after": 500,
      "change": +500,
      "timestamp": "2026-01-15T08:30:00Z",
      "batch_id": null
    },
    {
      "event": "REPAYMENT",
      "score_before": 500,
      "score_after": 550,
      "change": +50,
      "timestamp": "2025-10-25T14:00:00Z",
      "batch_id": "BATCH-2025-001234",
      "mantle_tx": "0xaaa111..."
    },
    {
      "event": "REPAYMENT",
      "score_before": 550,
      "score_after": 600,
      "change": +50,
      "timestamp": "2026-04-20T12:00:00Z",
      "batch_id": "BATCH-2025-000891",
      "mantle_tx": "0xbbb222..."
    }
  ],
  "delivery_count": 8,
  "repayment_count": 2,
  "default_count": 0,
  "next_tier": {
    "tier": "PREMIUM",
    "score_needed": 650,
    "points_away": 50,
    "benefit": "Max loan increases to $1,500. LTV increases to 70%."
  },
  "mantle_contract": "0xCREDIT_SCORE_ADDRESS",
  "on_chain_verification_url": "https://explorer.mantle.xyz/address/0xCREDIT_SCORE_ADDRESS"
}

Score Events

Event	Change	Trigger
`ACCOUNT_CREATED`	+500	First registration
`REPAYMENT`	+50	Auto-repayment executed on EXPORTED event
`DELIVERY`	+10	BatchToken minted (even without a loan)
`DEFAULT`	−100	Loan not repaid after forbearance period
`COOPERATIVE_PENALTY`	−25	Applied when cooperative-level breach recorded

Tier Reference

Tier	Score Range	Max Loan	LTV
`STANDARD`	500–549	$200	60%
`ENHANCED`	550–649	$500	65%
`PREMIUM`	650–749	$1,500	70%
`INSTITUTIONAL`	750–850	$5,000	80%

Why Scores Are Public

Credit scores are keyed to MAAIF government IDs — the same standard as a national credit bureau. Keeping scores public:

Allows any MFI to query before approving a loan — no AsiliChain intermediary required
Allows farmers to prove their creditworthiness to any future lender
Makes collusion between AsiliChain and cooperatives to manipulate scores detectable

The on_chain_verification_url allows anyone to verify the score directly on Mantle Explorer without trusting this API.

MFI Use Case

Before approving a loan, UGAFODE’s credit officer calls:

GET /farmers/UG-KAS-2024-001234/credit-score

Receives score: 600, tier: ENHANCED, max_loan_usdc: 500, default_count: 0. Approves loan directly in the MFI portal — no paper credit application, no field visit, no waiting period.

Errors

Code	HTTP	Trigger
`FARMER_NOT_FOUND`	404	`farmer_id` not in CreditScore contract