> ## Documentation Index
> Fetch the complete documentation index at: https://docs.0xtrustline.online/llms.txt
> Use this file to discover all available pages before exploring further.

# Scoring methodology

> The composite revenue-coverage score, in brief.

Composite revenue-coverage score: indexed on-chain x402 revenue + one Reclaim-verified off-chain revenue figure, banded into tiers that map to credit limits and a dynamic (utilization-based) APR — computed identically on both the backend (`scoring/`) and on-chain (`revenue_math`), so the two never drift apart.

<Info>
  **The full mechanics** — effective revenue, score bands, repayment adjustment, tier mapping, credit ramps, and the on-chain risk engine — are documented in detail in [How the credit engine works §2–4](/credit-engine#2-the-independence-engine-the-sybil-tracker-the-moat). This page is intentionally short; that one is the ground-truth reference.
</Info>