Chainalyse is an onchain financial reputation platform that turns wallet activity into lender-ready financial intelligence. Users connect a wallet, receive AI-powered scores and insights, download transaction statements, generate verified financial reports, and share attestations that lenders can verify onchain.
The platform is powered by OnFRA (Onchain Financial Reputation Agent), a LangChain-based AI agent registered as ERC-8004 agent #9219 on Celo mainnet. OnFRA analyzes transaction history, cash flow patterns, wallet age, and asset composition to produce:
Live demo: Chainalyse website
Demo video: Youtube video
Chainalyse exists to turn onchain activity into financial reputation — readable for users, useful for lenders, and verifiable onchain.
More people every day are choosing stablecoins not just to get paid, but to save, send money home, and build a financial life outside traditional banking. We believe that future is already arriving: wages, remittances, and everyday savings will increasingly live onchain in dollar-pegged assets. When that happens, bank statements and payslips stop being the story. Wallets become the ledger of record.
Our mission is to make that onchain history count. Chainalyse gives stablecoin earners and savers a way to prove their financial reputation (income consistency, savings discipline, wallet maturity) in language lenders, underwriters, and platforms already understand. We start where this shift is most visible: the Celo ecosystem, where millions of users already earn and hold in stablecoins through apps like MiniPay.
Millions of freelancers, remote workers, creators, and DAO contributors receive payments in crypto every month. When they apply for loans, credit, or microfinance, they are asked for bank statements, payslips, and employment records that do not reflect their real onchain financial activity.
As a result, reliable earners with years of verifiable blockchain history still cannot prove their income because:
The gap is not a lack of data because wallets already contain rich financial evidence. The gap is translation and trust i.e turning raw onchain activity into something a lender, underwriter, or financial platform can read, evaluate, and verify.
Chainalyse analyzes onchain activity on Celo and transforms it into lender-ready financial intelligence. Instead of asking users for payslips and bank statements, lenders can evaluate a wallet's financial behavior through transparent blockchain data.
REP-{id})./verify to confirm the report was issued by Chainalyse and registered on the chainalyse contract on Celo mainnet.Questions about your own wallet are free. Want to look up another wallet? Point OnFRA at any external wallet address and ask anything about it for 0.01 USDT via x402. Need a lender-ready document? OnFRA can generate a verified financial passport for 0.10 USDT — for your wallet or any address you specify.
OnchainReporter UUPS contract and pinned to IPFS.Global