credgate-sdk 1.0.0

package/README.md

@@ -0,0 +1,471 @@
+# credgate-sdk
+
+On-chain credit scoring for DeFi lending protocols, powered by CreditCoin ZK proofs.
+
+Any lending protocol can use this SDK to:
+- Analyze a wallet's on-chain credit score
+- Determine max loan size and interest tier
+- Poll CreditCoin ZK proof status
+- Gate loan disbursement by credit tier
+
+---
+
+## Installation
+
+```bash
+npm install credgate-sdk
+```
+
+---
+
+## Architecture
+
+```
+Your Lending Protocol
+        │
+        ▼
+  credgate-sdk  ──── POST /wallet/analyze/:address
+        │        ──── GET  /wallet/result/:address
+        │        ──── GET  /proof/status/address/:address
+        │        ──── GET  /wallet/onchain/:address
+        ▼
+  CredGate Backend (NestJS)
+        │
+        ├── Aave history (Sepolia)
+        ├── Stablecoin treasury analysis
+        ├── CrossChain maturity
+        ├── DEX activity
+        │
+        ▼
+  CreditScoreRegistry (Sepolia)
+        │
+        ▼ ZK Proof via CreditCoin SDK
+  CreditScoreUSC (CreditCoin USC Testnet)
+        │
+        ▼
+  CreditAggregator (CreditCoin USC Testnet)
+        │
+        ▼
+  CreditVault.getCreditLine(user) → loan amount
+```
+
+---
+
+## Quick Start
+
+### Vanilla JS / Node.js
+
+```typescript
+import { CredGateClient } from "credgate-sdk";
+
+const client = new CredGateClient({
+  apiUrl: "https://your-credgate-backend.com",
+  apiKey: "optional_api_key",
+});
+
+const result = await client.analyzeWallet("0xabc...123");
+
+console.log(result.score.creditScore);              // 87
+console.log(result.score.tier);                     // "PRIME"
+console.log(result.score.loanProfile.maxLoanSizeUSD);  // 25000
+console.log(result.score.loanProfile.recommendedLTV);  // 70
+console.log(result.score.loanProfile.interestTier);    // "PRIME"
+console.log(result.proof?.status);                  // "waiting_attestation"
+```
+
+### React Hook
+
+```tsx
+import { CredGateClient } from "credgate-sdk";
+import { useCredGate } from "credgate-sdk/react";
+import { useAccount } from "wagmi";
+
+// Create once — outside your component, or in a context
+const client = new CredGateClient({ apiUrl: "https://your-credgate-api.com" });
+
+export function CreditWidget() {
+  const { address } = useAccount();
+  const {
+    score,
+    proof,
+    onchain,
+    loading,
+    analyzing,
+    error,
+    cooldownRemaining,
+    analyze,
+  } = useCredGate(client, address);
+
+  if (loading) return <p>Loading...</p>;
+
+  return (
+    <div>
+      <h2>Credit Score: {score?.creditScore ?? "—"}/100</h2>
+      <p>Tier: {score?.tier}</p>
+      <p>Max Loan: ${score?.loanProfile.maxLoanSizeUSD ?? 0}</p>
+      <p>Recommended LTV: {score?.loanProfile.recommendedLTV}%</p>
+      <p>Interest Tier: {score?.loanProfile.interestTier}</p>
+
+      {proof && <p>Proof: {proof.status}</p>}
+      {proof?.status === "waiting_attestation" && (
+        <p>{proof.blocksRemaining} blocks remaining (~{proof.estimatedWaitSeconds}s)</p>
+      )}
+      {proof?.status === "success" && <p>✓ Verified on CreditCoin</p>}
+
+      {onchain?.status === "UPDATED" && <p>✓ Score stored on-chain</p>}
+
+      <button
+        onClick={analyze}
+        disabled={analyzing || cooldownRemaining > 0}
+      >
+        {analyzing
+          ? "Analyzing..."
+          : cooldownRemaining > 0
+          ? `Cooldown: ${cooldownRemaining}s`
+          : score
+          ? "Re-analyze"
+          : "Analyze Wallet"}
+      </button>
+
+      {error && <p style={{ color: "red" }}>{error}</p>}
+    </div>
+  );
+}
+```
+
+### Minimal hook (just eligibility)
+
+```tsx
+import { useSimpleScore } from "credgate-sdk/react";
+
+function LoanGate({ address }: { address: string }) {
+  const { eligible, tier, maxLoan, loading, analyze } = useSimpleScore(client, address);
+
+  if (loading) return <Spinner />;
+  if (!eligible) return <button onClick={analyze}>Check Eligibility</button>;
+
+  return <p>You can borrow up to ${maxLoan} at {tier} tier</p>;
+}
+```
+
+---
+
+## Credit Tiers
+
+| Tier | Score | LTV | Interest |
+|---|---|---|---|
+| `ELITE` | 95–100 | 70% | Lowest |
+| `PRIME` | 80–94 | 70% | Low |
+| `PREFERRED` | 65–79 | 60% | Standard |
+| `STANDARD` | 50–64 | 50% | Higher |
+| `HIGH_RISK` | 30–49 | 35% | High |
+| `REJECT` | < 30 | 0% | N/A |
+
+> **Note:** Loan size is also capped by capital base (stablecoin inflow × retention ratio). A high score does not guarantee a large loan — capital history matters.
+
+---
+
+## Proof Lifecycle
+
+```
+not_found
+    │
+    ▼
+queued
+    │
+    ▼
+checking_contract     ← verifies aggregator + authorized source set
+    │
+    ▼
+fetching_tx           ← fetches Sepolia tx
+    │
+    ▼
+waiting_attestation   ← polls 0xFD3 precompile on CreditCoin USC
+    │                    (blocksRemaining, estimatedWaitSeconds available)
+    ▼
+generating_proof      ← calls proof-gen API
+    │
+    ▼
+submitting            ← calls CreditScoreUSC.submitScoreFromQuery()
+    │
+    ├── success        ← txHash available (CreditCoin USC tx)
+    └── failed         ← error message available
+```
+
+---
+
+## API Reference
+
+### `new CredGateClient(config)`
+
+```typescript
+const client = new CredGateClient({
+  apiUrl: "https://api.credgate.xyz",   // required
+  apiKey: "sk_...",                      // optional
+  pollInterval: 3000,                    // ms between polls (default: 3000)
+  timeout: 120_000,                      // analysis timeout ms (default: 120000)
+});
+```
+
+---
+
+### `client.analyzeWallet(address, options?)`
+
+Triggers analysis and polls until score is ready. Returns full `AnalysisResult`.
+
+```typescript
+const result = await client.analyzeWallet("0x...", {
+  waitForProof: true,     // also wait for CreditCoin ZK proof
+  timeout: 180_000,       // override timeout
+  pollInterval: 5000,     // override poll interval
+});
+```
+
+**Response shape:**
+```typescript
+{
+  score: {
+    address: "0x...",
+    creditScore: 87,          // 0–100
+    tier: "PRIME",
+    riskScore: 42,
+    riskLevel: "MEDIUM",
+    loanProfile: {
+      recommendedLTV: 70,
+      interestTier: "PRIME",
+      maxLoanSizeUSD: 25000,
+    },
+    scoreBreakdown: {
+      lending: 28.5,
+      stable: 22.0,
+      crossChain: 12.0,
+      dex: 8.0,
+      ageBonus: 5.5,
+      riskPenalty: 8.0,
+    },
+    analyzedAt: 1709123456789,
+  },
+  onchain: {
+    status: "UPDATED",        // "NOT_SUBMITTED" | "UPDATED" | "COOLDOWN_ACTIVE" | "FAILED"
+    txHash: "0x...",
+    reportHash: "0x...",
+    remainingSeconds: 0,
+  },
+  proof: {
+    status: "waiting_attestation",
+    jobId: "job_0xabc123_1709...",
+    currentAttestedBlock: 7450000,
+    targetBlock: 7450123,
+    blocksRemaining: 123,
+    estimatedWaitSeconds: 1476,
+  }
+}
+```
+
+---
+
+### `client.getScore(address)`
+
+Returns cached `ScoreResult | null`. Does NOT trigger new analysis.
+
+```typescript
+const score = await client.getScore("0x...");
+if (!score) {
+  // Wallet never analyzed — trigger analysis
+  await client.analyzeWallet("0x...");
+}
+```
+
+---
+
+### `client.getProofStatus(address)`
+
+Returns current ZK proof status for a wallet.
+
+```typescript
+const proof = await client.getProofStatus("0x...");
+// { status: "waiting_attestation", blocksRemaining: 42, estimatedWaitSeconds: 504 }
+```
+
+---
+
+### `client.waitForProof(address, options?)`
+
+Polls until proof reaches `success` or throws on `failed`.
+
+```typescript
+const proof = await client.waitForProof("0x...", {
+  timeout: 1_800_000,   // 30 min (matches backend max)
+});
+console.log(proof.txHash); // CreditCoin USC transaction hash
+```
+
+---
+
+### `client.getOnChainStatus(address)`
+
+Returns on-chain credit registry status from Sepolia `CreditScoreRegistry`.
+
+```typescript
+const status = await client.getOnChainStatus("0x...");
+// { status: "UPDATED", txHash: "0x...", reportHash: "0x...", remainingSeconds: 0 }
+```
+
+---
+
+### `client.isEligible(address)`
+
+Quick boolean check. Returns `false` if tier is REJECT or maxLoanSizeUSD is 0.
+
+```typescript
+// Server-side loan gating
+if (!(await client.isEligible(userAddress))) {
+  return res.status(403).json({ error: "Insufficient credit score" });
+}
+```
+
+---
+
+### `client.getMaxLoan(address)`
+
+Returns max loan in USD. Returns 0 if wallet is ineligible or unanalyzed.
+
+```typescript
+const max = await client.getMaxLoan(userAddress);
+if (requestedAmount > max) {
+  throw new Error(`Requested ${requestedAmount} exceeds credit line of ${max}`);
+}
+```
+
+---
+
+## Error Handling
+
+```typescript
+import { CredGateClient, CredGateError, ErrorCode } from "credgate-sdk";
+
+try {
+  await client.analyzeWallet(address);
+} catch (err) {
+  if (err instanceof CredGateError) {
+    switch (err.code) {
+      case ErrorCode.COOLDOWN_ACTIVE:
+        // Wallet was analyzed recently — wait for cooldown
+        const seconds = err.meta?.remainingSeconds as number;
+        console.log(`Try again in ${Math.ceil(seconds / 3600)}h`);
+        break;
+
+      case ErrorCode.ANALYSIS_TIMEOUT:
+        // Backend took too long — retry
+        console.log("Timed out, retrying...");
+        break;
+
+      case ErrorCode.PROOF_FAILED:
+        // CreditCoin proof submission failed
+        console.log("Proof failed:", err.meta?.txHash);
+        break;
+
+      case ErrorCode.WALLET_NOT_FOUND:
+        console.log("Wallet never analyzed");
+        break;
+
+      case ErrorCode.UNAUTHORIZED:
+        console.log("Check your API key");
+        break;
+
+      case ErrorCode.NETWORK_ERROR:
+        console.log("Backend unreachable:", err.message);
+        break;
+    }
+  }
+}
+```
+
+---
+
+## React Hook Reference
+
+### `useCredGate(client, address, options?)`
+
+```typescript
+const {
+  score,              // ScoreResult | null
+  proof,              // ProofStatus | null
+  onchain,            // OnChainStatus | null
+  loading,            // true while fetching cached data on mount
+  analyzing,          // true while analysis job is running
+  error,              // string | null
+  cooldownRemaining,  // number (seconds, counts down)
+  analyze,            // () => Promise<void>  — trigger new analysis
+  refetch,            // () => Promise<void>  — reload cached data
+} = useCredGate(client, address, {
+  autoAnalyze: false,      // trigger analysis on mount if no cached score
+  proofPollInterval: 5000, // poll proof every 5s (0 = disabled)
+});
+```
+
+### `useSimpleScore(client, address)`
+
+```typescript
+const {
+  creditScore,       // number | null
+  tier,              // CreditTier | null
+  maxLoan,           // number (USD)
+  recommendedLTV,    // number (0–70)
+  eligible,          // boolean
+  loading,
+  error,
+  cooldownRemaining,
+  analyze,
+} = useSimpleScore(client, address);
+```
+
+---
+
+## TypeScript Types
+
+```typescript
+import type {
+  AnalysisResult,
+  ScoreResult,
+  LoanProfile,
+  ScoreBreakdown,
+  ProofStatus,
+  ProofStatusValue,
+  OnChainStatus,
+  OnChainStatusValue,
+  CreditTier,
+  RiskLevel,
+} from "credgate-sdk";
+```
+
+---
+
+## Backend Endpoints Used
+
+| Method | Endpoint | Description |
+|---|---|---|
+| `POST` | `/wallet/analyze/:address` | Trigger wallet analysis |
+| `GET` | `/wallet/result/:address` | Poll for score result |
+| `GET` | `/wallet/onchain/:address` | On-chain registry status |
+| `GET` | `/proof/status/address/:address` | ZK proof status by address |
+| `GET` | `/proof/status/:jobId` | ZK proof status by job ID |
+
+---
+
+## Score Breakdown Explained
+
+| Component | Max Points | Source |
+|---|---|---|
+| Lending | 30 | Aave borrow/repay history, liquidations |
+| Stable | 35 | Stablecoin treasury inflow/retention/age |
+| CrossChain | 20 | Multi-chain activity maturity |
+| DEX | 15 | DEX swap history and volume |
+| Age Bonus | 10 | Wallet age (log scale) |
+| Risk Penalty | −30 | Combined risk score deduction |
+
+---
+
+## License
+
+MIT

package/dist/client.d.ts

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+import { CredGateConfig, AnalysisResult, AnalyzeOptions, ScoreResult, ProofStatus, OnChainStatus } from "./types";
+export declare class CredGateClient {
+    private readonly apiUrl;
+    private readonly apiKey?;
+    private readonly defaultPollInterval;
+    private readonly defaultTimeout;
+    constructor(config: CredGateConfig);
+    private _fetch;
+    private _normalizeResult;
+    /**
+     * Trigger a full wallet analysis and poll until score is ready.
+     *
+     * Flow: POST /wallet/analyze/:address
+     *       → poll GET /wallet/result/:address until status === "DONE"
+     *       → GET /proof/status/address/:address
+     *
+     * @example
+     * const result = await client.analyzeWallet("0xabc...");
+     * console.log(result.score.creditScore);        // 87
+     * console.log(result.score.tier);               // "PRIME"
+     * console.log(result.score.loanProfile.maxLoanSizeUSD); // 25000
+     */
+    analyzeWallet(address: string, options?: AnalyzeOptions): Promise<AnalysisResult>;
+    /**
+     * Get cached score without triggering new analysis.
+     * Returns null if wallet was never analyzed.
+     *
+     * @example
+     * const score = await client.getScore("0xabc...");
+     * if (!score) await client.analyzeWallet("0xabc...");
+     */
+    getScore(address: string): Promise<ScoreResult | null>;
+    /**
+     * Get current CreditCoin ZK proof status.
+     *
+     * Proof lifecycle:
+     *   not_found → queued → checking_contract → fetching_tx
+     *   → waiting_attestation → generating_proof → submitting
+     *   → success | failed
+     *
+     * @example
+     * const proof = await client.getProofStatus("0xabc...");
+     * console.log(proof.status); // "waiting_attestation"
+     * console.log(proof.blocksRemaining); // 42
+     */
+    getProofStatus(address: string): Promise<ProofStatus>;
+    /**
+     * Poll proof status until success or failure.
+     * Throws CredGateError with code PROOF_FAILED on failure.
+     *
+     * @example
+     * const proof = await client.waitForProof("0xabc...");
+     * console.log(proof.txHash); // CreditCoin tx hash
+     */
+    waitForProof(address: string, options?: {
+        timeout?: number;
+        pollInterval?: number;
+    }): Promise<ProofStatus>;
+    /**
+     * Get on-chain credit registry status from Sepolia.
+     */
+    getOnChainStatus(address: string): Promise<OnChainStatus>;
+    /**
+     * Quick eligibility check — returns false if tier is REJECT or maxLoanSizeUSD is 0.
+     *
+     * @example
+     * if (!(await client.isEligible(userAddress))) {
+     *   return res.status(403).json({ error: "Not eligible for loan" });
+     * }
+     */
+    isEligible(address: string): Promise<boolean>;
+    /**
+     * Get max loan amount in USD for a wallet.
+     * Returns 0 if wallet hasn't been analyzed or is ineligible.
+     *
+     * @example
+     * const max = await client.getMaxLoan(userAddress);
+     * if (requestedAmount > max) throw new Error("Exceeds credit line");
+     */
+    getMaxLoan(address: string): Promise<number>;
+}
+//# sourceMappingURL=client.d.ts.map

package/dist/client.d.ts.map

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package/dist/client.js

@@ -0,0 +1,255 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.CredGateClient = void 0;
+const types_1 = require("./types");
+// ── helpers ───────────────────────────────────────────────────────────────────
+const sleep = (ms) => new Promise((r) => setTimeout(r, ms));
+function deriveTier(score) {
+    if (score >= 95)
+        return "ELITE";
+    if (score >= 80)
+        return "PRIME";
+    if (score >= 65)
+        return "PREFERRED";
+    if (score >= 50)
+        return "STANDARD";
+    return "REJECT";
+}
+// ── CredGateClient ────────────────────────────────────────────────────────────
+class CredGateClient {
+    constructor(config) {
+        this.apiUrl = config.apiUrl.replace(/\/$/, "");
+        this.apiKey = config.apiKey;
+        this.defaultPollInterval = config.pollInterval ?? 3000;
+        this.defaultTimeout = config.timeout ?? 120000;
+    }
+    // ── Internal fetch ────────────────────────────────────────────────────────
+    async _fetch(path, options) {
+        const headers = {
+            "Content-Type": "application/json",
+            ...(this.apiKey ? { "x-api-key": this.apiKey } : {}),
+        };
+        let res;
+        try {
+            res = await fetch(`${this.apiUrl}${path}`, {
+                ...options,
+                headers: { ...headers, ...(options?.headers ?? {}) },
+            });
+        }
+        catch (err) {
+            throw new types_1.CredGateError(types_1.ErrorCode.NETWORK_ERROR, `Network request failed: ${err.message}`);
+        }
+        if (res.status === 401 || res.status === 403) {
+            throw new types_1.CredGateError(types_1.ErrorCode.UNAUTHORIZED, "Invalid or missing API key");
+        }
+        if (res.status === 404) {
+            throw new types_1.CredGateError(types_1.ErrorCode.WALLET_NOT_FOUND, "Wallet not found");
+        }
+        if (!res.ok) {
+            const body = await res.text().catch(() => "");
+            throw new types_1.CredGateError(types_1.ErrorCode.UNKNOWN, `Request failed (${res.status}): ${body}`);
+        }
+        return res.json();
+    }
+    // ── Normalize /wallet/result/:address response ────────────────────────────
+    // Backend returns: { status: "DONE", result: { address, intelligence, onchain, meta, ... } }
+    _normalizeResult(raw) {
+        // result is nested under `result` key when status === "DONE"
+        const result = (raw.result ?? raw);
+        const intel = (result.intelligence ?? {});
+        const loanProfile = (intel.loanProfile ?? {});
+        const breakdown = (intel.scoreBreakdown ?? {});
+        const risk = (intel.risk ?? {});
+        const meta = (result.meta ?? {});
+        const onchainRaw = (result.onchain ?? {});
+        const creditScore = intel.creditScore ?? 0;
+        const score = {
+            address: result.address,
+            creditScore,
+            tier: deriveTier(creditScore),
+            riskScore: risk.riskScore ?? 0,
+            riskLevel: risk.riskLevel ?? "LOW",
+            loanProfile: {
+                recommendedLTV: loanProfile.recommendedLTV ?? 0,
+                interestTier: loanProfile.interestTier ?? "REJECT",
+                maxLoanSizeUSD: loanProfile.maxLoanSizeUSD ?? 0,
+            },
+            scoreBreakdown: {
+                lending: breakdown.lending ?? 0,
+                stable: breakdown.stable ?? 0,
+                crossChain: breakdown.crossChain ?? 0,
+                dex: breakdown.dex ?? 0,
+                ageBonus: breakdown.ageBonus ?? 0,
+                riskPenalty: breakdown.riskPenalty ?? 0,
+            },
+            analyzedAt: meta.analyzedAt ?? Date.now(),
+        };
+        const onchain = {
+            status: onchainRaw.status ?? "NOT_SUBMITTED",
+            txHash: onchainRaw.txHash,
+            reportHash: onchainRaw.reportHash,
+            remainingSeconds: onchainRaw.remainingSeconds,
+        };
+        return { score, onchain };
+    }
+    // ─────────────────────────────────────────────────────────────────────────
+    // PUBLIC API
+    // ─────────────────────────────────────────────────────────────────────────
+    /**
+     * Trigger a full wallet analysis and poll until score is ready.
+     *
+     * Flow: POST /wallet/analyze/:address
+     *       → poll GET /wallet/result/:address until status === "DONE"
+     *       → GET /proof/status/address/:address
+     *
+     * @example
+     * const result = await client.analyzeWallet("0xabc...");
+     * console.log(result.score.creditScore);        // 87
+     * console.log(result.score.tier);               // "PRIME"
+     * console.log(result.score.loanProfile.maxLoanSizeUSD); // 25000
+     */
+    async analyzeWallet(address, options = {}) {
+        const pollInterval = options.pollInterval ?? this.defaultPollInterval;
+        const timeout = options.timeout ?? this.defaultTimeout;
+        const deadline = Date.now() + timeout;
+        // 1. Trigger analysis
+        await this._fetch(`/wallet/analyze/${address}`, { method: "POST" });
+        // 2. Poll for DONE
+        let raw = null;
+        while (Date.now() < deadline) {
+            try {
+                const res = await this._fetch(`/wallet/result/${address}`);
+                // Backend returns { status: "DONE" | "PROCESSING" | "FAILED" | "NOT_FOUND", result: ... }
+                if (res.status === "DONE" && res.result) {
+                    raw = res;
+                    break;
+                }
+                if (res.status === "FAILED") {
+                    throw new types_1.CredGateError(types_1.ErrorCode.UNKNOWN, "Wallet analysis job failed on server");
+                }
+            }
+            catch (err) {
+                if (err instanceof types_1.CredGateError && err.code !== types_1.ErrorCode.WALLET_NOT_FOUND)
+                    throw err;
+            }
+            await sleep(pollInterval);
+        }
+        if (!raw) {
+            throw new types_1.CredGateError(types_1.ErrorCode.ANALYSIS_TIMEOUT, `Analysis timed out after ${timeout / 1000}s for ${address}`);
+        }
+        const { score, onchain } = this._normalizeResult(raw);
+        // 3. Handle cooldown
+        if (onchain.status === "COOLDOWN_ACTIVE") {
+            throw new types_1.CredGateError(types_1.ErrorCode.COOLDOWN_ACTIVE, `Wallet is in cooldown. Retry in ${onchain.remainingSeconds ?? "?"}s`, { remainingSeconds: onchain.remainingSeconds });
+        }
+        // 4. Optionally wait for ZK proof
+        let proof;
+        if (options.waitForProof) {
+            proof = await this.waitForProof(address, { timeout: Math.max(0, deadline - Date.now()) });
+        }
+        else {
+            proof = await this.getProofStatus(address).catch(() => undefined);
+        }
+        return { score, onchain, proof };
+    }
+    /**
+     * Get cached score without triggering new analysis.
+     * Returns null if wallet was never analyzed.
+     *
+     * @example
+     * const score = await client.getScore("0xabc...");
+     * if (!score) await client.analyzeWallet("0xabc...");
+     */
+    async getScore(address) {
+        try {
+            const res = await this._fetch(`/wallet/result/${address}`);
+            if (!res || res.status !== "DONE" || !res.result)
+                return null;
+            return this._normalizeResult(res).score;
+        }
+        catch (err) {
+            if (err instanceof types_1.CredGateError && err.code === types_1.ErrorCode.WALLET_NOT_FOUND)
+                return null;
+            throw err;
+        }
+    }
+    /**
+     * Get current CreditCoin ZK proof status.
+     *
+     * Proof lifecycle:
+     *   not_found → queued → checking_contract → fetching_tx
+     *   → waiting_attestation → generating_proof → submitting
+     *   → success | failed
+     *
+     * @example
+     * const proof = await client.getProofStatus("0xabc...");
+     * console.log(proof.status); // "waiting_attestation"
+     * console.log(proof.blocksRemaining); // 42
+     */
+    async getProofStatus(address) {
+        return this._fetch(`/proof/status/address/${address}`);
+    }
+    /**
+     * Poll proof status until success or failure.
+     * Throws CredGateError with code PROOF_FAILED on failure.
+     *
+     * @example
+     * const proof = await client.waitForProof("0xabc...");
+     * console.log(proof.txHash); // CreditCoin tx hash
+     */
+    async waitForProof(address, options = {}) {
+        const pollInterval = options.pollInterval ?? this.defaultPollInterval;
+        const timeout = options.timeout ?? this.defaultTimeout;
+        const deadline = Date.now() + timeout;
+        while (Date.now() < deadline) {
+            const proof = await this.getProofStatus(address);
+            if (proof.status === "success")
+                return proof;
+            if (proof.status === "failed") {
+                throw new types_1.CredGateError(types_1.ErrorCode.PROOF_FAILED, `CreditCoin proof failed: ${proof.error ?? "unknown"}`, { txHash: proof.txHash });
+            }
+            await sleep(pollInterval);
+        }
+        throw new types_1.CredGateError(types_1.ErrorCode.ANALYSIS_TIMEOUT, `Proof timed out after ${timeout / 1000}s`);
+    }
+    /**
+     * Get on-chain credit registry status from Sepolia.
+     */
+    async getOnChainStatus(address) {
+        const raw = await this._fetch(`/wallet/onchain/${address}`);
+        return {
+            status: raw.status ?? "NOT_SUBMITTED",
+            txHash: raw.txHash,
+            reportHash: raw.reportHash,
+            remainingSeconds: raw.remainingSeconds,
+        };
+    }
+    /**
+     * Quick eligibility check — returns false if tier is REJECT or maxLoanSizeUSD is 0.
+     *
+     * @example
+     * if (!(await client.isEligible(userAddress))) {
+     *   return res.status(403).json({ error: "Not eligible for loan" });
+     * }
+     */
+    async isEligible(address) {
+        const score = await this.getScore(address);
+        if (!score)
+            return false;
+        return score.tier !== "REJECT" && score.loanProfile.maxLoanSizeUSD > 0;
+    }
+    /**
+     * Get max loan amount in USD for a wallet.
+     * Returns 0 if wallet hasn't been analyzed or is ineligible.
+     *
+     * @example
+     * const max = await client.getMaxLoan(userAddress);
+     * if (requestedAmount > max) throw new Error("Exceeds credit line");
+     */
+    async getMaxLoan(address) {
+        const score = await this.getScore(address);
+        return score?.loanProfile.maxLoanSizeUSD ?? 0;
+    }
+}
+exports.CredGateClient = CredGateClient;
+//# sourceMappingURL=client.js.map

package/dist/client.js.map

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package/dist/index.d.ts

@@ -0,0 +1,4 @@
+export { CredGateClient } from "./client";
+export type { CredGateConfig, AnalyzeOptions, AnalysisResult, ScoreResult, ScoreBreakdown, LoanProfile, ProofStatus, ProofStatusValue, OnChainStatus, OnChainStatusValue, CreditTier, RiskLevel, StableLevel, } from "./types";
+export { CredGateError, ErrorCode } from "./types";
+//# sourceMappingURL=index.d.ts.map

package/dist/index.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"index.d.ts","sourceRoot":"","sources":["../src/index.ts"],"names":[],"mappings":"AACA,OAAO,EAAE,cAAc,EAAE,MAAM,UAAU,CAAC;AAG1C,YAAY,EACR,cAAc,EACd,cAAc,EACd,cAAc,EACd,WAAW,EACX,cAAc,EACd,WAAW,EACX,WAAW,EACX,gBAAgB,EAChB,aAAa,EACb,kBAAkB,EAClB,UAAU,EACV,SAAS,EACT,WAAW,GACd,MAAM,SAAS,CAAC;AAGjB,OAAO,EAAE,aAAa,EAAE,SAAS,EAAE,MAAM,SAAS,CAAC"}

package/dist/index.js

@@ -0,0 +1,11 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.ErrorCode = exports.CredGateError = exports.CredGateClient = void 0;
+// Core
+var client_1 = require("./client");
+Object.defineProperty(exports, "CredGateClient", { enumerable: true, get: function () { return client_1.CredGateClient; } });
+// Errors
+var types_1 = require("./types");
+Object.defineProperty(exports, "CredGateError", { enumerable: true, get: function () { return types_1.CredGateError; } });
+Object.defineProperty(exports, "ErrorCode", { enumerable: true, get: function () { return types_1.ErrorCode; } });
+//# sourceMappingURL=index.js.map

package/dist/index.js.map

@@ -0,0 +1 @@
+{"version":3,"file":"index.js","sourceRoot":"","sources":["../src/index.ts"],"names":[],"mappings":";;;AAAA,OAAO;AACP,mCAA0C;AAAjC,wGAAA,cAAc,OAAA;AAmBvB,SAAS;AACT,iCAAmD;AAA1C,sGAAA,aAAa,OAAA;AAAE,kGAAA,SAAS,OAAA"}

package/dist/react/hooks.d.ts

@@ -0,0 +1,71 @@
+import { CredGateClient } from "../client";
+import { ScoreResult, ProofStatus, OnChainStatus } from "../types";
+export interface UseCredGateOptions {
+    /** Auto-trigger analysis on mount if no score cached (default: false) */
+    autoAnalyze?: boolean;
+    /** Proof poll interval in ms. 0 = disabled (default: 5000) */
+    proofPollInterval?: number;
+}
+export interface UseCredGateReturn {
+    /** Latest credit score result */
+    score: ScoreResult | null;
+    /** Latest CreditCoin ZK proof status */
+    proof: ProofStatus | null;
+    /** On-chain credit registry status */
+    onchain: OnChainStatus | null;
+    /** True while loading cached score on mount */
+    loading: boolean;
+    /** True while analysis POST + polling is in progress */
+    analyzing: boolean;
+    /** Human-readable error string */
+    error: string | null;
+    /** Seconds remaining in cooldown (0 = no cooldown) */
+    cooldownRemaining: number;
+    /** Trigger a new wallet analysis */
+    analyze: () => Promise<void>;
+    /** Re-fetch cached data without triggering new analysis */
+    refetch: () => Promise<void>;
+}
+/**
+ * Full React hook for CredGate credit scoring.
+ *
+ * @example
+ * const client = new CredGateClient({ apiUrl: "https://api.credgate.xyz" });
+ *
+ * function CreditWidget() {
+ *   const { address } = useAccount();
+ *   const { score, proof, analyzing, cooldownRemaining, analyze } = useCredGate(client, address);
+ *
+ *   return (
+ *     <div>
+ *       <p>Score: {score?.creditScore ?? "—"}/100  Tier: {score?.tier}</p>
+ *       <p>Max loan: ${score?.loanProfile.maxLoanSizeUSD ?? 0}</p>
+ *       <p>Proof: {proof?.status}</p>
+ *       <button onClick={analyze} disabled={analyzing || cooldownRemaining > 0}>
+ *         {cooldownRemaining > 0 ? `Cooldown: ${cooldownRemaining}s` : "Analyze"}
+ *       </button>
+ *     </div>
+ *   );
+ * }
+ */
+export declare function useCredGate(client: CredGateClient, address: string | undefined, options?: UseCredGateOptions): UseCredGateReturn;
+/**
+ * Minimal hook — just score, tier, eligibility.
+ * Perfect for simple loan-gating use cases.
+ *
+ * @example
+ * const { eligible, maxLoan, tier, analyze } = useSimpleScore(client, address);
+ * if (!eligible) return <div>Not eligible to borrow</div>;
+ */
+export declare function useSimpleScore(client: CredGateClient, address: string | undefined): {
+    creditScore: number | null;
+    tier: import("../types").CreditTier | null;
+    maxLoan: number;
+    recommendedLTV: number;
+    eligible: boolean;
+    loading: boolean;
+    error: string | null;
+    cooldownRemaining: number;
+    analyze: () => Promise<void>;
+};
+//# sourceMappingURL=hooks.d.ts.map

package/dist/react/hooks.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"hooks.d.ts","sourceRoot":"","sources":["../../src/react/hooks.ts"],"names":[],"mappings":"AACA,OAAO,EAAE,cAAc,EAAE,MAAM,WAAW,CAAC;AAC3C,OAAO,EACH,WAAW,EACX,WAAW,EACX,aAAa,EAGhB,MAAM,UAAU,CAAC;AAGlB,MAAM,WAAW,kBAAkB;IAC/B,yEAAyE;IACzE,WAAW,CAAC,EAAE,OAAO,CAAC;IACtB,8DAA8D;IAC9D,iBAAiB,CAAC,EAAE,MAAM,CAAC;CAC9B;AAED,MAAM,WAAW,iBAAiB;IAC9B,iCAAiC;IACjC,KAAK,EAAE,WAAW,GAAG,IAAI,CAAC;IAC1B,wCAAwC;IACxC,KAAK,EAAE,WAAW,GAAG,IAAI,CAAC;IAC1B,sCAAsC;IACtC,OAAO,EAAE,aAAa,GAAG,IAAI,CAAC;IAC9B,+CAA+C;IAC/C,OAAO,EAAE,OAAO,CAAC;IACjB,wDAAwD;IACxD,SAAS,EAAE,OAAO,CAAC;IACnB,kCAAkC;IAClC,KAAK,EAAE,MAAM,GAAG,IAAI,CAAC;IACrB,sDAAsD;IACtD,iBAAiB,EAAE,MAAM,CAAC;IAC1B,oCAAoC;IACpC,OAAO,EAAE,MAAM,OAAO,CAAC,IAAI,CAAC,CAAC;IAC7B,2DAA2D;IAC3D,OAAO,EAAE,MAAM,OAAO,CAAC,IAAI,CAAC,CAAC;CAChC;AAED;;;;;;;;;;;;;;;;;;;;;GAqBG;AACH,wBAAgB,WAAW,CACvB,MAAM,EAAE,cAAc,EACtB,OAAO,EAAE,MAAM,GAAG,SAAS,EAC3B,OAAO,GAAE,kBAAuB,GACjC,iBAAiB,CAuInB;AAGD;;;;;;;GAOG;AACH,wBAAgB,cAAc,CAAC,MAAM,EAAE,cAAc,EAAE,OAAO,EAAE,MAAM,GAAG,SAAS;;;;;;;;;mBAjL/D,OAAO,CAAC,IAAI,CAAC;EA8L/B"}

package/dist/react/hooks.js

@@ -0,0 +1,183 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.useCredGate = useCredGate;
+exports.useSimpleScore = useSimpleScore;
+const react_1 = require("react");
+const types_1 = require("../types");
+/**
+ * Full React hook for CredGate credit scoring.
+ *
+ * @example
+ * const client = new CredGateClient({ apiUrl: "https://api.credgate.xyz" });
+ *
+ * function CreditWidget() {
+ *   const { address } = useAccount();
+ *   const { score, proof, analyzing, cooldownRemaining, analyze } = useCredGate(client, address);
+ *
+ *   return (
+ *     <div>
+ *       <p>Score: {score?.creditScore ?? "—"}/100  Tier: {score?.tier}</p>
+ *       <p>Max loan: ${score?.loanProfile.maxLoanSizeUSD ?? 0}</p>
+ *       <p>Proof: {proof?.status}</p>
+ *       <button onClick={analyze} disabled={analyzing || cooldownRemaining > 0}>
+ *         {cooldownRemaining > 0 ? `Cooldown: ${cooldownRemaining}s` : "Analyze"}
+ *       </button>
+ *     </div>
+ *   );
+ * }
+ */
+function useCredGate(client, address, options = {}) {
+    const { autoAnalyze = false, proofPollInterval = 5000 } = options;
+    const [score, setScore] = (0, react_1.useState)(null);
+    const [proof, setProof] = (0, react_1.useState)(null);
+    const [onchain, setOnchain] = (0, react_1.useState)(null);
+    const [loading, setLoading] = (0, react_1.useState)(false);
+    const [analyzing, setAnalyzing] = (0, react_1.useState)(false);
+    const [error, setError] = (0, react_1.useState)(null);
+    const [cooldownRemaining, setCooldownRemaining] = (0, react_1.useState)(0);
+    const proofPollRef = (0, react_1.useRef)(null);
+    const cooldownRef = (0, react_1.useRef)(null);
+    const stopProofPolling = (0, react_1.useCallback)(() => {
+        if (proofPollRef.current) {
+            clearInterval(proofPollRef.current);
+            proofPollRef.current = null;
+        }
+    }, []);
+    const startProofPolling = (0, react_1.useCallback)((addr) => {
+        if (!proofPollInterval || proofPollRef.current)
+            return;
+        proofPollRef.current = setInterval(async () => {
+            try {
+                const p = await client.getProofStatus(addr);
+                setProof(p);
+                if (p.status === "success" || p.status === "failed" || p.status === "not_found") {
+                    stopProofPolling();
+                }
+            }
+            catch {
+            }
+        }, proofPollInterval);
+    }, [client, proofPollInterval, stopProofPolling]);
+    const startCooldown = (0, react_1.useCallback)((seconds) => {
+        setCooldownRemaining(seconds);
+        if (cooldownRef.current)
+            clearInterval(cooldownRef.current);
+        cooldownRef.current = setInterval(() => {
+            setCooldownRemaining((prev) => {
+                if (prev <= 1) {
+                    clearInterval(cooldownRef.current);
+                    return 0;
+                }
+                return prev - 1;
+            });
+        }, 1000);
+    }, []);
+    const refetch = (0, react_1.useCallback)(async () => {
+        if (!address)
+            return;
+        setLoading(true);
+        setError(null);
+        try {
+            const [scoreRes, proofRes, onchainRes] = await Promise.allSettled([
+                client.getScore(address),
+                client.getProofStatus(address),
+                client.getOnChainStatus(address),
+            ]);
+            if (scoreRes.status === "fulfilled")
+                setScore(scoreRes.value);
+            if (proofRes.status === "fulfilled")
+                setProof(proofRes.value);
+            if (onchainRes.status === "fulfilled")
+                setOnchain(onchainRes.value);
+            if (proofRes.status === "fulfilled" &&
+                proofRes.value.status !== "success" &&
+                proofRes.value.status !== "failed" &&
+                proofRes.value.status !== "not_found") {
+                startProofPolling(address);
+            }
+        }
+        finally {
+            setLoading(false);
+        }
+    }, [address, client, startProofPolling]);
+    const analyze = (0, react_1.useCallback)(async () => {
+        if (!address)
+            return;
+        setAnalyzing(true);
+        setError(null);
+        setProof(null);
+        stopProofPolling();
+        try {
+            const result = await client.analyzeWallet(address);
+            setScore(result.score);
+            setOnchain(result.onchain);
+            if (result.proof)
+                setProof(result.proof);
+            startProofPolling(address);
+        }
+        catch (err) {
+            if (err instanceof types_1.CredGateError) {
+                if (err.code === types_1.ErrorCode.COOLDOWN_ACTIVE) {
+                    const secs = err.meta?.remainingSeconds ?? 86400;
+                    startCooldown(secs);
+                    setError(`Cooldown active — ${Math.ceil(secs / 3600)}h remaining`);
+                }
+                else {
+                    setError(err.message);
+                }
+            }
+            else {
+                setError("Analysis failed. Please try again.");
+            }
+        }
+        finally {
+            setAnalyzing(false);
+        }
+    }, [address, client, startProofPolling, stopProofPolling, startCooldown]);
+    (0, react_1.useEffect)(() => {
+        if (!address) {
+            setScore(null);
+            setProof(null);
+            setOnchain(null);
+            setError(null);
+            setCooldownRemaining(0);
+            stopProofPolling();
+            return;
+        }
+        if (autoAnalyze) {
+            analyze();
+        }
+        else {
+            refetch();
+        }
+        return () => {
+            stopProofPolling();
+            if (cooldownRef.current)
+                clearInterval(cooldownRef.current);
+        };
+    }, [address]);
+    return { score, proof, onchain, loading, analyzing, error, cooldownRemaining, analyze, refetch };
+}
+/**
+ * Minimal hook — just score, tier, eligibility.
+ * Perfect for simple loan-gating use cases.
+ *
+ * @example
+ * const { eligible, maxLoan, tier, analyze } = useSimpleScore(client, address);
+ * if (!eligible) return <div>Not eligible to borrow</div>;
+ */
+function useSimpleScore(client, address) {
+    const { score, loading, error, analyze, cooldownRemaining } = useCredGate(client, address);
+    return {
+        creditScore: score?.creditScore ?? null,
+        tier: score?.tier ?? null,
+        maxLoan: score?.loanProfile.maxLoanSizeUSD ?? 0,
+        recommendedLTV: score?.loanProfile.recommendedLTV ?? 0,
+        eligible: score ? score.tier !== "REJECT" && score.loanProfile.maxLoanSizeUSD > 0 : false,
+        loading,
+        error,
+        cooldownRemaining,
+        analyze,
+    };
+}
+//# sourceMappingURL=hooks.js.map

package/dist/react/hooks.js.map

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package/dist/react/index.d.ts

@@ -0,0 +1,3 @@
+export { useCredGate, useSimpleScore } from "./hooks";
+export type { UseCredGateOptions, UseCredGateReturn } from "./hooks";
+//# sourceMappingURL=index.d.ts.map

package/dist/react/index.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"index.d.ts","sourceRoot":"","sources":["../../src/react/index.ts"],"names":[],"mappings":"AAAA,OAAO,EAAE,WAAW,EAAE,cAAc,EAAE,MAAM,SAAS,CAAC;AACtD,YAAY,EAAE,kBAAkB,EAAE,iBAAiB,EAAE,MAAM,SAAS,CAAC"}

package/dist/react/index.js

@@ -0,0 +1,7 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.useSimpleScore = exports.useCredGate = void 0;
+var hooks_1 = require("./hooks");
+Object.defineProperty(exports, "useCredGate", { enumerable: true, get: function () { return hooks_1.useCredGate; } });
+Object.defineProperty(exports, "useSimpleScore", { enumerable: true, get: function () { return hooks_1.useSimpleScore; } });
+//# sourceMappingURL=index.js.map

package/dist/react/index.js.map

@@ -0,0 +1 @@
+{"version":3,"file":"index.js","sourceRoot":"","sources":["../../src/react/index.ts"],"names":[],"mappings":";;;AAAA,iCAAsD;AAA7C,oGAAA,WAAW,OAAA;AAAE,uGAAA,cAAc,OAAA"}

package/dist/types.d.ts

@@ -0,0 +1,90 @@
+export type CreditTier = "ELITE" | "PRIME" | "PREFERRED" | "STANDARD" | "REJECT";
+export type RiskLevel = "LOW" | "MEDIUM" | "HIGH";
+export type StableLevel = "STRONG" | "MODERATE" | "WEAK";
+export type ProofStatusValue = "not_found" | "queued" | "checking_contract" | "fetching_tx" | "waiting_attestation" | "generating_proof" | "submitting" | "success" | "failed";
+export interface ProofStatus {
+    status: ProofStatusValue;
+    jobId?: string;
+    txHash?: string;
+    error?: string;
+    currentAttestedBlock?: number;
+    targetBlock?: number;
+    blocksRemaining?: number;
+    estimatedWaitSeconds?: number;
+}
+export type OnChainStatusValue = "NOT_SUBMITTED" | "UPDATED" | "COOLDOWN_ACTIVE" | "FAILED";
+export interface OnChainStatus {
+    status: OnChainStatusValue;
+    txHash?: string;
+    reportHash?: string;
+    remainingSeconds?: number;
+}
+export interface ScoreBreakdown {
+    lending: number;
+    stable: number;
+    crossChain: number;
+    dex: number;
+    ageBonus: number;
+    riskPenalty: number;
+}
+export interface LoanProfile {
+    recommendedLTV: number;
+    interestTier: string;
+    maxLoanSizeUSD: number;
+}
+export interface ScoreResult {
+    address: string;
+    creditScore: number;
+    tier: CreditTier;
+    riskScore: number;
+    riskLevel: RiskLevel;
+    loanProfile: LoanProfile;
+    scoreBreakdown: ScoreBreakdown;
+    analyzedAt: number;
+}
+export interface AnalysisResult {
+    score: ScoreResult;
+    onchain: OnChainStatus;
+    proof?: ProofStatus;
+}
+export interface CreditLineResult {
+    creditLine: bigint;
+    available: bigint;
+    outstanding: {
+        principal: bigint;
+        interest: bigint;
+        total: bigint;
+    };
+    utilizationPct: number;
+}
+export interface CredGateConfig {
+    /** Your CredGate backend URL, e.g. https://api.credgate.xyz */
+    apiUrl: string;
+    /** Optional API key forwarded as x-api-key header */
+    apiKey?: string;
+    /** Poll interval in ms (default: 3000) */
+    pollInterval?: number;
+    /** Analysis timeout in ms (default: 120000) */
+    timeout?: number;
+}
+export interface AnalyzeOptions {
+    pollInterval?: number;
+    timeout?: number;
+    /** If true, also waits for CreditCoin ZK proof to reach success/failed */
+    waitForProof?: boolean;
+}
+export declare enum ErrorCode {
+    COOLDOWN_ACTIVE = "COOLDOWN_ACTIVE",
+    ANALYSIS_TIMEOUT = "ANALYSIS_TIMEOUT",
+    WALLET_NOT_FOUND = "WALLET_NOT_FOUND",
+    PROOF_FAILED = "PROOF_FAILED",
+    UNAUTHORIZED = "UNAUTHORIZED",
+    NETWORK_ERROR = "NETWORK_ERROR",
+    UNKNOWN = "UNKNOWN"
+}
+export declare class CredGateError extends Error {
+    readonly code: ErrorCode;
+    readonly meta?: Record<string, unknown> | undefined;
+    constructor(code: ErrorCode, message: string, meta?: Record<string, unknown> | undefined);
+}
+//# sourceMappingURL=types.d.ts.map

package/dist/types.d.ts.map

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package/dist/types.js

@@ -0,0 +1,26 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.CredGateError = exports.ErrorCode = void 0;
+// ─────────────────────────────────────────────────────────────────────────────
+// Error handling
+// ─────────────────────────────────────────────────────────────────────────────
+var ErrorCode;
+(function (ErrorCode) {
+    ErrorCode["COOLDOWN_ACTIVE"] = "COOLDOWN_ACTIVE";
+    ErrorCode["ANALYSIS_TIMEOUT"] = "ANALYSIS_TIMEOUT";
+    ErrorCode["WALLET_NOT_FOUND"] = "WALLET_NOT_FOUND";
+    ErrorCode["PROOF_FAILED"] = "PROOF_FAILED";
+    ErrorCode["UNAUTHORIZED"] = "UNAUTHORIZED";
+    ErrorCode["NETWORK_ERROR"] = "NETWORK_ERROR";
+    ErrorCode["UNKNOWN"] = "UNKNOWN";
+})(ErrorCode || (exports.ErrorCode = ErrorCode = {}));
+class CredGateError extends Error {
+    constructor(code, message, meta) {
+        super(message);
+        this.code = code;
+        this.meta = meta;
+        this.name = "CredGateError";
+    }
+}
+exports.CredGateError = CredGateError;
+//# sourceMappingURL=types.js.map

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package/package.json

@@ -0,0 +1,51 @@
+{
+  "name": "credgate-sdk",
+  "version": "1.0.0",
+  "description": "On-chain credit scoring SDK — integrate undercollateralized lending into any DeFi protocol",
+  "main": "dist/index.js",
+  "types": "dist/index.d.ts",
+  "exports": {
+    ".": {
+      "require": "./dist/index.js",
+      "import": "./dist/index.js",
+      "types": "./dist/index.d.ts"
+    },
+    "./react": {
+      "require": "./dist/react/index.js",
+      "import": "./dist/react/index.js",
+      "types": "./dist/react/index.d.ts"
+    }
+  },
+  "scripts": {
+    "build": "tsc",
+    "dev": "tsc --watch",
+    "prepublishOnly": "npm run build"
+  },
+  "files": [
+    "dist",
+    "README.md"
+  ],
+  "keywords": [
+    "credit-score",
+    "defi",
+    "undercollateralized",
+    "lending",
+    "creditcoin",
+    "zk-proof",
+    "web3",
+    "on-chain"
+  ],
+  "license": "MIT",
+  "peerDependencies": {
+    "react": ">=18.0.0"
+  },
+  "peerDependenciesMeta": {
+    "react": {
+      "optional": true
+    }
+  },
+  "devDependencies": {
+    "@types/react": "^18.3.28",
+    "typescript": "^5.9.3"
+  }
+}