This document provides insights into the distribution of credit scores and the behavioral patterns of wallets in different score segments based on their interactions with the Aave V2 protocol.
We group scores into bins of 100 and count the number of wallets in each range:
| Score Range | Number of Wallets |
|---|---|
| 0–100 | ████▌ |
| 100–200 | ███████▉ |
| 200–300 | █████████▎ |
| 300–400 | ██████████▍ |
| 400–500 | ███████████▎ |
| 500–600 | ███████████ |
| 600–700 | █████████▉ |
| 700–800 | ████████▍ |
| 800–900 | ██████▎ |
| 900–1000 | ██▉ |
A histogram of this distribution is plotted in the notebook.
Characteristics:
- High number of borrows without corresponding repays
- One or more liquidationcall events
- Very short active durations (often single-day usage)
- Low deposit frequency
Interpretation: These wallets show risk-seeking behavior, poor repayment discipline, and often exit the protocol early—potential indicators of bots, airdrop farmers, or malicious actors.
Characteristics:
- Consistent deposit and repay behavior
- Little to no liquidation events
- Long active duration (weeks or months)
- Low borrow-to-repay ratio (indicating responsible borrowing)
Interpretation: These are likely to be long-term users, potentially using Aave for stable collateral management or yield generation. Their activity indicates trustworthiness and protocol-friendly behavior.
- The score distribution is center-heavy, indicating most wallets fall into the 300–700 range.
- Outliers on the low-end often show high liquidation and sparse activity.
- Outliers on the high-end often show very regular deposits and consistent repayments.
- Score can be used for user segmentation: e.g., flag risky wallets under 300, reward top-tier wallets over 800.
- Incorporate temporal velocity features (how quickly a wallet repays or borrows) in future versions.
Generated from ~100K raw transaction records on the Aave V2 protocol.