# Credora by RedStone

> Credora provides transparent, unified risk ratings for decentralized finance (DeFi) protocols. Powered by RedStone, Credora runs 100,000+ Monte Carlo market simulations to assess risk across vaults, lending pools, and stablecoins.

## About

Credora is the new standard in DeFi risk assessment. We provide credit-style ratings (AAA to D) for DeFi products including Morpho vaults, Spark savings, and other lending protocols. Our ratings are based on Probability of Significant Loss (PSL) — the annualized probability of a 1% loss on market supply.

- Website: https://credora.network
- Data App: https://app.credora.network
- API Endpoint: https://api.credora.io/graphql
- MCP Server: https://mcp.credora.network/mcp
- A2A Agent: https://a2a.credora.network/.well-known/agent.json
- Documentation: https://credora.network/docs/
- Blog: https://credora.network/blog/
- Reports: https://credora.network/reports/

## Documentation

- [Overview](https://credora.network/docs/)
- [API Documentation](https://credora.network/docs/api-documentation/)
- [Ratings API](https://credora.network/docs/api-documentation/ratings/)
- [Methodologies](https://credora.network/docs/methodologies/)
- [DeFi Rating Scale](https://credora.network/docs/methodologies/defi-rating-scale/)
- [Vault/Pool Methodology](https://credora.network/docs/methodologies/vaults-pools/)
- [Protocol Implementations](https://credora.network/docs/protocol-implementations/morpho/)
- [Value Proposition](https://credora.network/docs/value-proposition/)
- [FAQ](https://credora.network/docs/faq/)

## API

Credora exposes a GraphQL API for programmatic access to DeFi risk ratings.

- **Endpoint**: `POST https://api.credora.io/graphql`
- **Authentication**: API key via `ClientSecret` header
- **Request Access**: https://credora.network/request-api/
- **API Docs**: https://credora.network/docs/api-documentation/

### Key Capabilities

- Retrieve unified DeFi credit ratings (AAA–D scale)
- Filter by protocol (Morpho, Spark, etc.), product type, chain, curator
- Get Probability of Significant Loss (PSL) metrics
- Paginated queries with up to 1000 results per page

## Agent Integration

Credora supports two standard AI agent protocols for direct machine-to-machine integration:

### MCP (Model Context Protocol)

- **Endpoint**: `https://mcp.credora.network/mcp`
- **Protocol**: MCP — enables LLMs and AI agents to query Credora ratings as a tool
- **Use Case**: Add Credora as a tool in any MCP-compatible AI agent or LLM application

### A2A (Agent-to-Agent Protocol)

- **Endpoint**: `https://a2a.credora.network/.well-known/agent.json`
- **Protocol**: A2A v0.3.0 — standardized autonomous agent communication
- **Agent Name**: Credora Ratings Oracle
- **Available Tools**:
  - `get_ratings` — Fetch all Credora risk ratings for DeFi vaults across all protocols
  - `get_ratings_by_protocol` — Fetch ratings filtered by protocol (e.g., "morpho" or "spark")

## Rating Scale

| Rating | Risk Level | PSL Range |
|--------|-----------|-----------|
| AAA | Lowest risk | < 0.01% |
| AA | Very low risk | 0.01–0.05% |
| A | Low risk | 0.05–0.1% |
| BBB | Moderate risk | 0.1–0.5% |
| BB | Elevated risk | 0.5–1% |
| B | High risk | 1–5% |
| CCC | Very high risk | 5–10% |
| CC | Extremely high risk | 10–25% |
| C | Near-certain loss | 25–50% |
| D | Default/Loss | > 50% |

## Supported Protocols

- Morpho (Vaults & Markets)
- Spark (Savings & Markets)
- Additional protocols in development

## Social

- X/Twitter: https://x.com/CredoraNetwork
- LinkedIn: https://www.linkedin.com/company/credoranetwork/

## Legal

- [Privacy Policy](https://credora.network/privacy-policy/)
- [Terms of Service](https://credora.network/terms-of-service/)
- [Cookie Policy](https://credora.network/cookie-policy/)

## Full Documentation

For complete API reference, methodology details, and integration guides, see [llms-full.txt](https://credora.network/llms-full.txt).