NFCS operates as a credit, reputation, and trust credential that neatly classifies user's on-chain behavior into an easily interpretable scale from 1-10; with 1 being the most creditworthy and 10 being the least. The credit score is generated based on the transaction history of all the bundled addresses. The better the credit score the higher the likelihood of access to under-collateralized loans.

Soulbound tokens, or SBTs, are digital identity tokens representing a person or entity's characteristics, features, traits and achievements. Like one of the kinds of SBTs, NFCS is immutable, non-transferable and represents trust and credit-worthiness value of the owner.

NFCS allows linking more than one address to one credit score. This provides better user experience of accessing RociFi via a single account as well as a chance to improve credit score if a user's DeFi transactional activity is spread across several accounts. Users can connect up to 32 addresses in one bundle. In order to connect several addresses to the NFCS bundle, follow this guide

The RociFi credit scoring algorithm takes into account dozens of data points across several EVM-compatible chains like Ethereum Mainnet, BSC, Avalanche, Polygon and Optimism (borrowing and repayment behavior on DeFi lending protocols, liquidity provision and trading activities, balance changes over time etc).