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Sandbox: sample data. You're viewing Charlie Fresh Wallet, a simulated borrower scored in your browser by the same model the Stylus engine runs. These balances and loans are not your wallet.

Sandbox · sample data•Arbitrum Sepolia Testnet (421614)

Adaptive On-Chain Credit & Lending Vault

A credit model over your repayment history, running in Rust on Arbitrum Stylus. Borrow Paxos USDG (or test USDC) with as little as 105% collateral, or lend it to earn interest.

Engine
Rust Stylus SDK
Collateral Ratio
105% – 125%

On-Chain Risk & Credit Evaluation

Sandbox: same model the Stylus engine runs, evaluated in-browser

Moderate•118% Collateral Ratio
300575850
669
Credit Score
Current Borrower: Charlie Fresh Wallet
One small on-time repayment, now carrying a 6x larger loan; ripe for tier elevation
Algorithmic Factor BreakdownP(repay) 67.1% • vs. new wallet
Repayment Track Record
Recency- & size-weighted quality + depth
+112 pts
Quality 78.5%1 on-time • 0 late
Longevity & Wallet Age
Saturating, half-weight at 180 days
+22 pts
Account History60 Days Active
Activity & Volume
Tx count + USD volume, saturating
+54 pts
Cumulative Txs25 txs • $3,000 vol
Defaults & Open Exposure
Decaying liquidations + utilization
−33 pts
Utilization 73.5%Clean record

Dynamic Borrow Calculator & Capital Efficiency

Reference $3,000 / ETH • borrow Paxos USDG

Target Ratio: 118%
$
USDG
Min: $100$10,000 (Default)Max: $50,000
Oracle Price
…
Required ETH
3.9333
Fixed APR
11.37%
Borrow Asset
Paxos USDG
ArbiScore Adaptive Efficiency
118% collateral vs Aave's 125%
Collateral Saved vs. Aave V3
$700.00(0.2333 ETH)

Your Moderate status frees up 0.2333 ETH in unencumbered capital.

ArbiScore (118%)
3.9333 ETH
$11,800 Collateral
Aave V3 (125%)
4.1667 ETH
$12,500 Collateral
Capital Efficiency5.6% Saved
Locked CollateralCapital Unleashed

Paxos USDG Lending Pool

Supply USDG • earn the interest credit-scored borrowers pay • ERC-4626 asUSDG shares

Total Supplied
…
Available to Borrow
…
Utilization
…
Supply APY
…
loan-weighted APR × utilization

Connect a wallet on Arbitrum Sepolia to supply USDG.

Lenders can redeem idle cash at any time; lent-out funds return as loans are repaid. Bad debt from under-collateralized liquidations is shared by lenders through the share price.Paxos USDG faucet

Judge Evaluation Sandbox & Profile Emulator

Toggle between borrower archetypes and simulate live credit rating elevation

Interactive Sandbox
1. Select Borrower Archetype
2. Simulate Protocol State Mutations

Sandbox personas run in your browser on the exact model the Stylus engine uses. To go on-chain, turn the sandbox off: a new wallet can import Aave history (or the labeled demo borrower) through CreditImporter.

Position Escrow & Active Obligations

Collateral locked in escrow vs unencumbered borrowing power

Simulated · Charlie
Collateral Escrow Vault
Total Deposited
5.0000 ETH
$… USD
Locked
1.9667 ETH
$… USD
Available Free
3.0333 ETH
$… USD
Active Loans & Credit History (1)Loans held 14+ days and repaid on time raise your score
  • #102Active
    Principal
    $5,000 USDG
    Collateral
    1.9667 ETH
    Due
    Due in 15d