In a world where bots farm incentives, whales skew governance, and trust is increasingly difficult to verify, reputation has become the most critical missing primitive in Web3.

Today, we're excited to announce that zScore APIs are officially live — enabling protocols, applications, and agents to integrate verifiable, privacy-preserving reputation into every layer of the decentralized stack.

From more intelligent airdrops and undercollateralized lending, to risk-aware yield farming and Sybil-resistant governance, zScore is laying the foundation for a new kind of user intelligence — behavioral, dynamic, and cross-protocol.

Reputation already powers TradFi, hiring, social discovery — through credit scores, LinkedIn, GitHub, StackOverflow. These are multi-billion dollar markets in Web2. But none of them work natively in Web3 or in agentic environments.

zScore is building the next layer of this stack — decentralized, behavior-based, and composable across protocols and systems.

This year, a16z named proof of personhood and decentralized reputation as one of the four most important crypto investment areas for 2025. Google is funding zero-knowledge identity systems. The decentralized identity and reputation market is projected to exceed $100 billion by 2032.

DeFi protocols still operate in a vacuum of trust. Lending markets require 150%+ collateral. Airdrops are farmed and Sybil’d. Governance is vulnerable to multi-wallet manipulation. Despite the innovation, the lack of verifiable user behavior signals continues to bottleneck coordination, capital efficiency, and real adoption.

zScore flips the model.

It evaluates what users actually do — how they lend, swap, restake, govern, and hold assets — and generates a composable reputation profile that can be used across DeFi and beyond. It’s not based on assets held or offchain credentials alone — it’s built from actions.

The newly released zScore API suite allows Web3 projects to plug into this behavioral intelligence layer and build use cases such as:

• Risk-adjusted lending (LTV boosts, lower rates, undercollateralized loans)

• Targeted airdrop eligibility based on verified activity

• Dynamic funding and leverage caps for perpetuals trading

• DAO voting power weighted by reputation

• Tokenomics models rewarding long-term holders

• Insurance premiums based on real risk profiles

• Fraud detection and Sybil resistance

These tools are available today, and early partners are already integrating zScore into lending markets and smarter airdrop designs.

Over the next 6 months, Zeru will expand the zScore system across five major development vectors:

We’re extending behavioral scoring to cover:

• DEX users: identifying long-term liquidity providers and responsible swappers

• Restakers: loyalty, slashing risk, and validator trust modeling

• Perpetuals traders: tracking leverage discipline and volatility exposure

• Stakers: validator uptime, reward patterns, and loyalty signals

This will enable precise scoring tiers, powering everything from protocol incentives to trading risk dashboards.

We’ll roll out flows for verifiable proofs of:

• Identity (e.g. passports, Holonym)

• Professional credentials (GitHub, LinkedIn, etc.)

• Financial history (Experian, Binance, CIBIL)

These can be used to boost trust tiers for zScore badges and unlock gated functionality across Web3 apps — all without compromising user privacy.

Once core models are stable, zScore scoring will be integrated into the top 20 protocols across lending, trading, staking, and DAOs — covering ~80% of DeFi usage.

This ensures that users' reputation reflects the full breadth of their activity, not just isolated interactions.

We’re building scoring frameworks for:

• DAO participation (proposal creation, vote consistency)

• NFT holder behavior (hold duration, bluechip engagement)

These will introduce new badge classes and allow protocols to offer differentiated user experiences based on real engagement and trust.

We will release a zScore chatbot to help users understand, monitor, and improve their onchain reputation in real time. Ask:

• “Why did my score drop?”

• “How do I reach the Gold tier?”

• “Which protocols help me improve my lending rep?”

Behind the scenes, the bot queries our AI models and APIs to deliver real-time, user-specific insights.

Reputation systems are already foundational to TradFi (credit scores), employment (LinkedIn), and social discovery (GitHub, StackOverflow).

Yet Web3 has lacked the infrastructure to replicate — let alone improve upon — these systems in a verifiable, decentralized way.

zScore offers that infrastructure. It allows protocols to reward commitment, assess trust, and personalize user experience based on actual behavior — not assumptions, capital, or KYC.

In short, zScore makes trust programmable.

zScore APIs are now live, and our team is onboarding design partners across DeFi, DAOs, NFTs, insurance, and agentic systems.

Whether you’re building a lending market, airdrop campaign, governance DAO, or identity solution — reputation will define how real your users are.

If you're ready to build with verifiable trust, get in touch on Telegram, Discord, X or at support@zeru.finance.