> For the complete documentation index, see [llms.txt](https://creda-app.gitbook.io/creda-protocol/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://creda-app.gitbook.io/creda-protocol/introduction/creda-protocol-whitepaper/2.2-credit-module.md).

# 2.2 Credit Module

Using on-chain data, the CreDA Credit Oracle calculates credit scores utilizing the transaction characteristics of all addresses across multiple chains multiple chains including Ethereum, *Arbitrum, BSC (Binance Smart Chain), Fantom, Polygon, HECO (Huobi ECO Chain), and OEC.*

The CreDA protocol determines credit ratings through filtering and analyzing the historical data of these addresses to model users' on-chain financial activity whilst remaining completely secure and anonymous. This process is made up of three key components; the CreDA Credit Oracle, Decentralized ID (DID) and the Credit NFT (cNFT).

![](https://1888623400-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MglSowYm1nsuZ4pNdPp-887967055%2Fuploads%2FgZqaQFnlbteRWvWSHzMW%2Fillustration%203_250X250.jpg?alt=media\&token=d2835f95-2043-453c-b52e-8e21284af9f0)