Credit Oracle API

External API for querying participant credit scores and tier information, enabling third-party platforms to integrate Dualis credit data into their own risk and lending decisions.

Overview

The Dualis Credit Oracle API provides read-only access to participant credit scores, tier classifications, and scoring component breakdowns. Third-party platforms — including other DeFi protocols, institutional risk systems, and compliance tools — can query the oracle to incorporate Dualis credit data into their own workflows.

All API responses are cryptographically signed by the Dualis oracle service, enabling on-chain verification of the data's authenticity and freshness. Scores are updated in real time and reflect the latest on-chain activity and ZK-verified off-chain attestations.

Query Endpoint

The primary endpoint for retrieving a participant's credit data is:

GET /api/v1/credit/score/{partyId}

Headers:
  Authorization: Bearer <api-key>
  Accept: application/json

Replace {partyId} with the Canton party identifier of the participant whose score you wish to query. The party ID is the full Canton party string including the namespace.

Example Request

curl -X GET \
  https://api.dualis.finance/api/v1/credit/score/participant-1::12204bcabe5f \
  -H "Authorization: Bearer dk_live_abc123..." \
  -H "Accept: application/json"

Response Format

The API returns a JSON object containing the composite score, tier classification, individual component scores, and metadata:

{
  "partyId": "participant-1::12204bcabe5f",
  "score": {
    "composite": 872,
    "tier": "Diamond",
    "tierRange": {
      "min": 850,
      "max": 1000
    }
  },
  "components": {
    "onChain": {
      "weight": 0.40,
      "score": 910,
      "subFactors": {
        "loanCompletion": 285,
        "repaymentTimeliness": 240,
        "volumeHistory": 180,
        "collateralHealth": 130,
        "securitiesLending": 75
      }
    },
    "offChain": {
      "weight": 0.35,
      "score": 850,
      "zkProofValid": true,
      "lastAttestationDate": "2026-02-15T10:30:00Z"
    },
    "ecosystemReputation": {
      "weight": 0.25,
      "score": 820
    }
  },
  "tierParameters": {
    "maxLTV": 0.85,
    "rateDiscount": -0.25,
    "minCollateralRatio": 1.15,
    "liquidationBuffer": 0.05
  },
  "metadata": {
    "lastUpdated": "2026-02-28T14:22:15Z",
    "nextScheduledUpdate": "2026-03-01T00:00:00Z",
    "signatureHash": "0x7f3a...b42d",
    "oracleVersion": "1.2.0"
  }
}

Field Reference

Error Responses

{
  "error": "PARTY_NOT_FOUND",
  "message": "No credit record exists for the specified party ID.",
  "statusCode": 404
}

{
  "error": "UNAUTHORIZED",
  "message": "Invalid or expired API key.",
  "statusCode": 401
}

Use Cases for Third-Party Platforms

The Credit Oracle API enables a range of integrations across the Canton ecosystem and beyond:

• Cross-protocol lending — Other DeFi protocols on Canton can query a borrower's Dualis credit score to offer preferential terms, creating a composable credit layer across the network.
• Institutional risk management — Traditional financial institutions can integrate Dualis scores into their counterparty risk models, supplementing internal credit assessments with on-chain behavioural data.
• Compliance and audit — Compliance platforms can monitor participant credit standing in real time, flagging score deterioration or tier downgrades for review.
• Insurance underwriting — DeFi insurance providers can use credit scores to price coverage for under-collateralised positions, enabling more granular risk-based pricing.

Rate Limits

API access is subject to the following rate limits, based on the client's subscription tier:

For WebSocket-based real-time score streaming, see the WebSocket API documentation.