Method · vantiq-method-1
Every rule, in the open.
What is read, how each fact is marked, and what this cannot know.
Limits, first
- A payment history does not prove an agent is smart, honest or profitable.
- Vantiq reads public chain data. It does not know who runs a wallet, and it lends nothing.
- Borrowing is read from Morpho Blue only. Other lenders, private credit and off-chain debts are not covered unless the agent declares them in the ledger.
- Statements in the ledger are what wallets said. The contract checks who signed, not whether it is true.
- There is no overall score. Each fact stands alone, with its rule and its source.
Rules behind each mark
| Fact | How it is read | Mark |
|---|---|---|
| Agent identity | Listed when the wallet registered the identity (a mint to it), is its agent wallet, or you asked for it by number. Identities only sent to the wallet are labelled and ignored. | watch when none |
| Agent card | Fetched over https from public hosts only, at most 64 KB, five seconds; hashed. Shown as text. | shown |
| Transactions sent | The wallet's nonce. | watch at zero |
| ETH for gas | Native balance. | watch at zero |
| USDG payments | Newest 40 transfers in and out, with the block range read. | watch when none |
| Last USDG movement | Days since the newest transfer. | watch after 90 days |
| Open borrows | Morpho Blue debt per market, including interest to each market's last update. | shown, never a fault |
| Lowest health | Collateral value × LLTV ÷ debt, with each market's own oracle price. | flag below 1, watch below 1.15 |
| Liquidations | Liquidate events against this wallet. | flag when any |
| Signed statements | Active statements by stance; who signed is on each line. | watch when any is negative |
| Declared obligations | Open, overdue, disputed, settled, from the evidence ledger. | flag when overdue, watch when disputed |
Marks are fine, watch, flag, or not available. Not available is never counted either way. The method version is printed on every report.
Coverage
| Source | State | What that means |
|---|---|---|
| Morpho Blue | covered | Every market id in the public list plus the address's own events; positions, totals, parameters and prices read on chain. |
| Other lending protocols | not covered | Not integrated. A borrow there does not show here. |
| Declared obligations | covered | Debts the agent's controller declares in the evidence ledger, with creditor confirmation. |
| Off-chain and private credit | not covered | Invisible to the chain unless declared. |
Questions
- Is there a credit score?
- No. Each fact stands alone with its rule and source. Weighing them is your call.
- Does Vantiq lend money?
- No. It reads public chain data and keeps a ledger of statements. It holds no funds and offers no credit.
- Does a clean record mean an agent is safe to fund?
- No. A payment history does not prove an agent is smart, honest or profitable, and the chain does not show off-chain debt.
- Who can write in the evidence ledger?
- Any wallet can register a profile or sign a statement about someone else's profile. The contract checks who signed, not whether the statement is true.