{ "deployed": true, "chainId": 4663, "overview": { "deployed": true, "chainId": 4663, "pulledAtBlock": 86134954, "pulledAt": 1791752727, "addresses": { "oracle": "0x17934ec19c01C1C0c758f4dB96b6bbbE0242661c", "vault": "0xE14fb6b2C1c7887c56FE09a5509cB3218E32411B" }, "deployment": { "chainId": 4663, "deployedAt": 79251494, "deployer": "0xB7315308301aF4FcA641977c5599AA9f019dd316", "contracts": { "oracle": { "address": "0x17934ec19c01C1C0c758f4dB96b6bbbE0242661c", "txHash": "0x550ce0f3d7feb4379c0d71f7d3adec25034ebd508e6704f6b3f4317010a56622", "block": 79251481 }, "vault": { "address": "0xE14fb6b2C1c7887c56FE09a5509cB3218E32411B", "txHash": "0xaa27b8eed68692d8310425d3b85cbd954282499aee8b5198d6c3aa414e909478", "block": 79251494 } } }, "totalAssets": "2501643", "idleLiquidity": "2501643", "livePrincipal": "0", "accruedInterest": "0", "overduePrincipal": "0", "activeLoans": 0, "principalOutstanding": "0", "interestEarned": "1643", "lateFeesEarned": "0", "badDebt": "0", "recovered": "0", "netBadDebt": "0", "totalSupply": "2500000000", "shareDecimals": 9, "sharePrice": "1000657", "entryAssets": "2501643", "entrySharePrice": "1000658", "loanCount": 1, "paused": false, "owner": "0xB7315308301aF4FcA641977c5599AA9f019dd316", "oracle": { "address": "0x17934ec19c01C1C0c758f4dB96b6bbbE0242661c", "bureauSigner": "0xa8dA0784Af9b50cbAcf9163E78108CB276f10029", "owner": "0xB7315308301aF4FcA641977c5599AA9f019dd316" }, "firstDeposit": { "blockNumber": 79253572, "timestamp": 1791047721, "txHash": "0x65d84574e7fafaf1a50aad4346197a2b866311cb0f09faecf830cd1543b58d00", "assets": "2500000", "owner": "0xB7315308301aF4FcA641977c5599AA9f019dd316" }, "lpReturn": { "sinceFirstDeposit": 0.000657, "collectedNetOfWriteOffs": "1643", "elapsedSeconds": 705006, "minAnnualiseSeconds": 604800, "annualisedFraction": 0.029388617969208775, "method": "convertToAssets(1e9) / 1 USDG - 1 at pulledAtBlock: the change in one oCREDIT's exit value since the first deposit minted it at 1 USDG, net of write-offs and of loans carried at zero, including interest accrued on live loans. Annualised linearly over the time since the first Deposit event, and only once that is at least MIN_ANNUALISE_SECONDS (display policy). Backward-looking; not an APY, not a forward yield." } }, "policy": { "deployed": true, "chainId": 4663, "pulledAtBlock": 86084948, "source": "public constants and immutables of PriorsCreditOracle and OpenCreditVault, read by eth_call; policy, not market data", "oracle": { "address": "0x17934ec19c01C1C0c758f4dB96b6bbbE0242661c", "tiers": [ { "tier": 0, "name": "Unbanked", "capUsdg": "0", "rateBps": 0, "minScore": 0, "minLoans": 0, "minDollarDays": "0", "minDollarDaysValue": 0 }, { "tier": 1, "name": "Bronze", "capUsdg": "25000000", "rateBps": 2400, "minScore": 1, "minLoans": 0, "minDollarDays": "0", "minDollarDaysValue": 0 }, { "tier": 2, "name": "Silver", "capUsdg": "50000000", "rateBps": 1800, "minScore": 20, "minLoans": 5, "minDollarDays": "0", "minDollarDaysValue": 0 }, { "tier": 3, "name": "Gold", "capUsdg": "100000000", "rateBps": 1200, "minScore": 20, "minLoans": 20, "minDollarDays": "5184000000000", "minDollarDaysValue": 60 }, { "tier": 4, "name": "Platinum", "capUsdg": "250000000", "rateBps": 900, "minScore": 30, "minLoans": 50, "minDollarDays": "6480000000000", "minDollarDaysValue": 75 }, { "tier": 5, "name": "Diamond", "capUsdg": "500000000", "rateBps": 600, "minScore": 50, "minLoans": 200, "minDollarDays": "6480000000000", "minDollarDaysValue": 75 } ], "tierCount": 6, "dollarDay": "86400000000", "bps": 10000, "capFormula": "unsecuredCap = min(tierCap, max(line, totalBorrowed))", "lens": "0x9d7035722bd42C551f82FEB9FDDd17453AEF3D9B", "pool": "0x281210097f0de7A8FB6F87310AF0f089c9C8DE21", "identity": "0x8004A169FB4a3325136EB29fA0ceB6D2e539a432" }, "vault": { "address": "0xE14fb6b2C1c7887c56FE09a5509cB3218E32411B", "name": "Open Credit LP", "symbol": "oCREDIT", "shareDecimals": 9, "shareDecimalsOffset": 3, "bps": "10000", "yearSeconds": 31536000, "minInterestPeriod": 86400, "minTermDays": 1, "maxTermDays": 30, "grace": 259200, "minPrincipal": "1000000", "lateFeeBps": 100, "maxOpenLoansPerAgent": 4, "maxActiveLoans": 128, "interestFormula": "interest = principal x rateBps x max(elapsed, MIN_INTEREST_PERIOD) / (YEAR x BPS)", "navRule": "totalAssets = idle USDG + principal and linearly accrued interest of Active loans not yet past dueAt + GRACE; loans past that are carried at zero whether or not markDefault was called", "entryRule": "deposit / mint are priced at entryAssets = totalAssets + overdue principal + (badDebt - recovered), the owed principal at face; withdraw / redeem at totalAssets. Equal while nothing is overdue or uncured; a deposit placed just before a recovery buys that principal at face, so the recovery goes to the LPs who carried the loss", "usdg": "0x5fc5360D0400a0Fd4f2af552ADD042D716F1d168", "oracle": "0x17934ec19c01C1C0c758f4dB96b6bbbE0242661c", "pool": "0x281210097f0de7A8FB6F87310AF0f089c9C8DE21", "identity": "0x8004A169FB4a3325136EB29fA0ceB6D2e539a432" } }, "feed": { "deployed": true, "chainId": 4663, "pulledAtBlock": 86134954, "agentIds": [ 466, 467, 468, 469, 497, 495, 504, 491, 502, 503, 7616, 494 ], "rows": [ { "agentId": 466, "tier": 5, "tierName": "Diamond", "score": 57, "enrolled": true, "defaulted": false, "line": "9700000", "loansTaken": 560, "totalBorrowed": "5019420000", "dollarDays": "13975047490000", "dollarDaysValue": 161.74823483796297, "enrolledAt": 1789983205, "tierCap": "500000000", "unsecuredCap": "500000000", "rateBps": 600, "overlayPosted": false, "demonstratedCapacity": "0", "asOfBlock": 0, "signer": null, "bureau": { "tier": "A", "policy": "v1", "score": 57, "pulledAtBlock": 86134954, "demonstratedCapacity": "9700000", "repaid": 310, "punctualityRate": 1 } }, { "agentId": 467, "tier": 5, "tierName": "Diamond", "score": 57, "enrolled": true, "defaulted": false, "line": "9700000", "loansTaken": 555, "totalBorrowed": "4975380000", "dollarDays": "13963250440000", "dollarDaysValue": 161.6116949074074, "enrolledAt": 1789983224, "tierCap": "500000000", "unsecuredCap": "500000000", "rateBps": 600, "overlayPosted": false, "demonstratedCapacity": "0", "asOfBlock": 0, "signer": null, "bureau": { "tier": "A", "policy": "v1", "score": 57, "pulledAtBlock": 86134954, "demonstratedCapacity": "9700000", "repaid": 308, "punctualityRate": 1 } }, { "agentId": 468, "tier": 5, "tierName": "Diamond", "score": 57, "enrolled": true, "defaulted": false, "line": "9700000", "loansTaken": 552, "totalBorrowed": "4958320000", "dollarDays": "14124991620000", "dollarDaysValue": 163.48369930555555, "enrolledAt": 1789983253, "tierCap": 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