credgate-sdk 1.0.2 → 1.0.3

package/README.md

@@ -1,6 +1,6 @@
 # credgate-sdk
 
-On-chain credit scoring for onchain-protocols, powered by CreditCoin ZK proofs.
+On-chain credit scoring for onchain protocols, powered by CreditCoin ZK proofs.
 
 Any onchain protocol can use this SDK to:
 - Analyze a wallet's on-chain credit score
@@ -8,6 +8,8 @@ Any onchain protocol can use this SDK to:
 - Poll CreditCoin ZK proof status
 - Gate loan disbursement by credit tier
 
+> **API key required.** Generate yours free at [credgate.vercel.app/get-api-key](https://credgate.vercel.app/get-api-key) — connect your wallet and get a key in seconds.
+
 ---
 
 ## Installation
@@ -18,39 +20,18 @@ npm install credgate-sdk
 
 ---
 
-## STEP By STEP GUIDE to integrate over a lending protocol.
+## Get an API Key
 
-## Architecture
+1. Visit [credgate.vercel.app/get-api-key](https://credgate.vercel.app/get-api-key)
+2. Connect your wallet (MetaMask, WalletConnect, or any EVM wallet)
+3. Enter a project name and click **Generate API Key**
+4. Copy your key — it's only shown once
 
-```
-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
-        ├── Wallet activity and age
-        │
-        ▼
-  CreditScoreRegistry (Sepolia)
-        │
-        ▼ ZK Proof via CreditCoin SDK
-  CreditScoreUSC (CreditCoin USC Testnet)
-        │
-        ▼
-  CreditAggregator (CreditCoin USC Testnet)
-        │
-        ▼
-  CreditVault.getCreditLine(user) → loan amount
-```
+Your key looks like: `cg_xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx`
+
+Pass it as `apiKey` when initializing the client. All requests are authenticated via the `x-api-key` header automatically.
+
+Rate limit: **100 requests/minute** per key.
 
 ---
 
@@ -62,18 +43,18 @@ Your Lending Protocol
 import { CredGateClient } from "credgate-sdk";
 
 const client = new CredGateClient({
-  apiUrl: "https://your-credgate-backend.com",
-  apiKey: "optional_api_key",
+  apiUrl: "https://api.credgate.xyz",
+  apiKey: "cg_your_key_here",   // get yours at credgate.vercel.app/get-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"
+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
@@ -84,7 +65,10 @@ 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" });
+const client = new CredGateClient({
+  apiUrl: "https://api.credgate.xyz",
+  apiKey: "cg_your_key_here",   // get yours at credgate.vercel.app/get-api-key
+});
 
 export function CreditWidget() {
   const { address } = useAccount();
@@ -153,6 +137,40 @@ function LoanGate({ address }: { address: string }) {
 
 ---
 
+## 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
+        ├── Wallet activity and age
+        │
+        ▼
+  CreditScoreRegistry (Sepolia)
+        │
+        ▼ ZK Proof via CreditCoin SDK
+  CreditScoreUSC (CreditCoin USC Testnet)
+        │
+        ▼
+  CreditAggregator (CreditCoin USC Testnet)
+        │
+        ▼
+  CreditVault.getCreditLine(user) → loan amount
+```
+
+---
+
 ## Credit Tiers
 
 | Tier | Score | LTV | Interest |
@@ -204,7 +222,7 @@ submitting            ← calls CreditScoreUSC.submitScoreFromQuery()
 ```typescript
 const client = new CredGateClient({
   apiUrl: "https://api.credgate.xyz",   // required
-  apiKey: "sk_...",                      // optional
+  apiKey: "cg_your_key_here",           // required — get yours at credgate.vercel.app/get-api-key
   pollInterval: 3000,                    // ms between polls (default: 3000)
   timeout: 120_000,                      // analysis timeout ms (default: 120000)
 });
@@ -224,128 +242,6 @@ const result = await client.analyzeWallet("0x...", {
 });
 ```
 
-**Response shape:**
-```typescript
-{
-  "status": "DONE",
-  "result": {
-    "address": "0xa81a12e0c285b234a9c801b2bd215eabb3dda461",
-    "basic": {
-      "ethBalance": "0.0",
-      "txCount": 0,
-      "walletAgeBlocks": null
-    },
-    "aave": {
-      "borrows": [],
-      "repays": [],
-      "liquidations": []
-    },
-    "meta": {
-      "analyzedAt": 1772742968948
-    },
-    "intelligence": {
-      "metrics": {
-        "totalBorrows": 0,
-        "totalRepays": 0,
-        "totalLiquidations": 0,
-        "repayRatio": 0,
-        "liquidationRate": 0,
-        "borrowRepayCycles": 0
-      },
-      "risk": {
-        "riskScore": 60,
-        "riskLevel": "MEDIUM"
-      },
-      "creditScore": 0,
-      "scoreBreakdown": {
-        "lending": 0,
-        "stable": 0,
-        "crossChain": 0,
-        "dex": 0,
-        "ageBonus": 0,
-        "riskPenalty": 12
-      },
-      "stable": {
-        "totalInflow": 0,
-        "totalOutflow": 0,
-        "netFlow": 0,
-        "transferCount": 0,
-        "inflowCount": 0,
-        "outflowCount": 0,
-        "avgMonthlyNetFlow": 0,
-        "netFlowVolatility": 0,
-        "retentionRatio": 0,
-        "recentActivityScore": 0,
-        "activeMonths": 0,
-        "avgHoldingDays": 0,
-        "largestInflowSourceShare": 0,
-        "churnRatio": 0,
-        "stableScore": 0,
-        "stableLevel": "WEAK"
-      },
-      "crossChain": {
-        "chainsUsedCount": 0,
-        "activeChains": [],
-        "totalTxAcrossChains": 0,
-        "chainDetails": [
-          {
-            "chain": "ethereum",
-            "txCount": 0,
-            "firstTxBlock": null,
-            "walletAgeDays": null
-          },
-          {
-            "chain": "arbitrum",
-            "txCount": 0,
-            "firstTxBlock": null,
-            "walletAgeDays": null
-          },
-          {
-            "chain": "optimism",
-            "txCount": 0,
-            "firstTxBlock": null,
-            "walletAgeDays": null
-          },
-          {
-            "chain": "base",
-            "txCount": 0,
-            "firstTxBlock": null,
-            "walletAgeDays": null
-          },
-          {
-            "chain": "polygon",
-            "txCount": 0,
-            "firstTxBlock": null,
-            "walletAgeDays": null
-          }
-        ],
-        "crossChainMaturityScore": 0,
-        "crossChainRiskImpact": 10
-      },
-      "dex": {
-        "totalSwaps": 0,
-        "totalVolumeUSD": 0,
-        "uniqueTokensTraded": 0,
-        "avgSwapSizeUSD": 0,
-        "swapFrequencyPerMonth": 0,
-        "dexMaturityScore": 0,
-        "dexRiskImpact": 0
-      },
-      "loanProfile": {
-        "recommendedLTV": 0,
-        "interestTier": "REJECT",
-        "maxLoanSizeUSD": 0
-      }
-    },
-    "onchain": {
-      "status": "UPDATED",
-      "txHash": "0x8f4b45d041e6d4a502407f8dd5fda49e73d882136db7e2d25096e1269cb211fd",
-      "reportHash": "0xf44b9f3a31ac3bb921289f6823b523ad01f3df9f543d01a573aab3c0bdb9386b"
-    }
-  }
-}
-```
-
 ---
 
 ### `client.getScore(address)`
@@ -355,7 +251,6 @@ 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...");
 }
 ```
@@ -364,8 +259,6 @@ if (!score) {
 
 ### `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 }
@@ -378,9 +271,7 @@ const proof = await client.getProofStatus("0x...");
 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)
-});
+const proof = await client.waitForProof("0x...", { timeout: 1_800_000 });
 console.log(proof.txHash); // CreditCoin USC transaction hash
 ```
 
@@ -388,8 +279,6 @@ 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 }
@@ -399,10 +288,7 @@ const status = await client.getOnChainStatus("0x...");
 
 ### `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" });
 }
@@ -412,8 +298,6 @@ if (!(await client.isEligible(userAddress))) {
 
 ### `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) {
@@ -434,29 +318,21 @@ try {
   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");
+        console.log("Invalid API key — get yours at credgate.vercel.app/get-api-key");
         break;
-
       case ErrorCode.NETWORK_ERROR:
         console.log("Backend unreachable:", err.message);
         break;
@@ -480,11 +356,11 @@ const {
   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
+  analyze,            // () => Promise<void>
+  refetch,            // () => Promise<void>
 } = useCredGate(client, address, {
-  autoAnalyze: false,      // trigger analysis on mount if no cached score
-  proofPollInterval: 5000, // poll proof every 5s (0 = disabled)
+  autoAnalyze: false,
+  proofPollInterval: 5000,
 });
 ```
 
@@ -535,6 +411,8 @@ import type {
 | `GET` | `/proof/status/address/:address` | ZK proof status by address |
 | `GET` | `/proof/status/:jobId` | ZK proof status by job ID |
 
+All endpoints require the `x-api-key` header. Requests without a valid key return `401 Unauthorized`.
+
 ---
 
 ## Score Breakdown Explained
@@ -552,4 +430,4 @@ import type {
 
 ## License
 
-MIT
+MIT

package/dist/types.d.ts

@@ -58,19 +58,14 @@ export interface CreditLineResult {
     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 {

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package/dist/types.js

@@ -1,9 +1,8 @@
 "use strict";
+// Credit Tiers  (matches wallet.processor.ts buildLoanProfile)
 Object.defineProperty(exports, "__esModule", { value: true });
 exports.CredGateError = exports.ErrorCode = void 0;
-// ─────────────────────────────────────────────────────────────────────────────
 // Error handling
-// ─────────────────────────────────────────────────────────────────────────────
 var ErrorCode;
 (function (ErrorCode) {
     ErrorCode["COOLDOWN_ACTIVE"] = "COOLDOWN_ACTIVE";

package/dist/types.js.map

@@ -1 +1 @@
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+{"version":3,"file":"types.js","sourceRoot":"","sources":["../src/types.ts"],"names":[],"mappings":";AACA,+DAA+D;;;AAwH/D,iBAAiB;AACjB,IAAY,SAQX;AARD,WAAY,SAAS;IACjB,gDAAmC,CAAA;IACnC,kDAAqC,CAAA;IACrC,kDAAqC,CAAA;IACrC,0CAA6B,CAAA;IAC7B,0CAA6B,CAAA;IAC7B,4CAA+B,CAAA;IAC/B,gCAAmB,CAAA;AACvB,CAAC,EARW,SAAS,yBAAT,SAAS,QAQpB;AAED,MAAa,aAAc,SAAQ,KAAK;IACpC,YACoB,IAAe,EAC/B,OAAe,EACC,IAA8B;QAE9C,KAAK,CAAC,OAAO,CAAC,CAAC;QAJC,SAAI,GAAJ,IAAI,CAAW;QAEf,SAAI,GAAJ,IAAI,CAA0B;QAG9C,IAAI,CAAC,IAAI,GAAG,eAAe,CAAC;IAChC,CAAC;CACJ;AATD,sCASC"}

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "credgate-sdk",
-  "version": "1.0.2",
+  "version": "1.0.3",
   "description": "On-chain credit scoring SDK — integrate undercollateralized lending into any DeFi protocol",
   "main": "dist/index.js",
   "types": "dist/index.d.ts",