Trust Score API
Endpoints for retrieving and understanding Trust Scores.Get Trust Score
Retrieve a user’s current Trust Score.curl -X GET "https://api.usmewe.com/v1/trust-score/{userId}" \
-H "Authorization: Bearer YOUR_TOKEN"
{
"success": true,
"data": {
"userId": "user_abc123",
"score": 56,
"tier": "Established",
"breakdown": {
"seniority": 6,
"repaymentHistory": 20,
"transactionVolume": 10,
"socialNetwork": 15,
"levelBonus": 5
},
"borrowingPower": {
"maxAmount": 100,
"maxDuration": 30,
"interestRate": 0.03
},
"lastUpdated": "2024-01-15T12:00:00Z"
}
}
Score Breakdown
Component Details
| Component | Max Points | Calculation |
|---|---|---|
seniority | 12 | +1 per month of account age |
repaymentHistory | 40 | +2 per on-time repayment |
transactionVolume | 20 | log(totalVolume), normalized |
socialNetwork | 15 | +5 per guardian (max 3) |
levelBonus | 13 | Based on XP level |
Get Score History
Retrieve historical Trust Score data.curl -X GET "https://api.usmewe.com/v1/trust-score/{userId}/history?period=30d" \
-H "Authorization: Bearer YOUR_TOKEN"
{
"success": true,
"data": {
"userId": "user_abc123",
"period": "30d",
"history": [
{
"date": "2024-01-15",
"score": 56,
"change": 2,
"reason": "on_time_repayment"
},
{
"date": "2024-01-10",
"score": 54,
"change": 5,
"reason": "guardian_added"
},
{
"date": "2024-01-01",
"score": 49,
"change": 1,
"reason": "seniority_increase"
}
]
}
}
Period Options
| Period | Description |
|---|---|
7d | Last 7 days |
30d | Last 30 days |
90d | Last 90 days |
1y | Last year |
all | All time |
Calculate Potential Score
Simulate score changes based on actions.curl -X POST "https://api.usmewe.com/v1/trust-score/simulate" \
-H "Authorization: Bearer YOUR_TOKEN" \
-H "Content-Type: application/json" \
-d '{
"actions": [
{"type": "repayment", "count": 5},
{"type": "add_guardian", "count": 1}
]
}'
{
"success": true,
"data": {
"currentScore": 56,
"projectedScore": 71,
"breakdown": {
"repayments": "+10",
"guardian": "+5"
},
"newTier": "Trusted",
"newBorrowingPower": {
"maxAmount": 200,
"maxDuration": 60
}
}
}
Simulatable Actions
| Action | Impact |
|---|---|
repayment | +2 per on-time repayment |
add_guardian | +5 per guardian (max 3) |
level_up | Variable based on level |
deposit | Affects volume score |
Get Score Requirements
Get requirements for a specific tier.curl -X GET "https://api.usmewe.com/v1/trust-score/tiers"
{
"success": true,
"data": [
{
"tier": "New",
"minScore": 0,
"maxScore": 30,
"borrowingPower": {
"maxAmount": 20,
"maxDuration": 7
}
},
{
"tier": "Building",
"minScore": 31,
"maxScore": 50,
"borrowingPower": {
"maxAmount": 50,
"maxDuration": 14
}
},
{
"tier": "Established",
"minScore": 51,
"maxScore": 70,
"borrowingPower": {
"maxAmount": 100,
"maxDuration": 30
}
},
{
"tier": "Trusted",
"minScore": 71,
"maxScore": 85,
"borrowingPower": {
"maxAmount": 200,
"maxDuration": 60
}
},
{
"tier": "Elite",
"minScore": 86,
"maxScore": 100,
"borrowingPower": {
"maxAmount": 500,
"maxDuration": 90
}
}
]
}
Score Modifiers
Get active modifiers affecting the score.curl -X GET "https://api.usmewe.com/v1/trust-score/{userId}/modifiers" \
-H "Authorization: Bearer YOUR_TOKEN"
{
"success": true,
"data": {
"userId": "user_abc123",
"baseScore": 60,
"finalScore": 56,
"modifiers": [
{
"type": "late_payment",
"impact": -4,
"reason": "Payment 3 days late on loan #45",
"appliedAt": "2024-01-05T00:00:00Z",
"expiresAt": null
}
]
}
}
Modifier Types
| Type | Impact | Duration |
|---|---|---|
late_payment | -5% of score | Permanent |
default | -30% of score | Permanent |
on_time_bonus | +1% of score | Per repayment |
Webhook Events
Subscribe to Trust Score changes:{
"event": "trust_score.updated",
"data": {
"userId": "user_abc123",
"previousScore": 54,
"newScore": 56,
"change": 2,
"reason": "on_time_repayment",
"timestamp": "2024-01-15T12:00:00Z"
}
}
Error Responses
| Code | Error | Description |
|---|---|---|
| 401 | UNAUTHORIZED | Invalid or missing token |
| 404 | USER_NOT_FOUND | User does not exist |
| 403 | SCORE_PRIVATE | User’s score is not public |
Trust Score Overview
Learn how Trust Score works