Score Computation

The score is computed from the user’s accumulated behavior data whenever recomputeAndPersistScore is triggered (during mint and renewal). The formula:

rawScore = baseScore + behaviorScore - penaltyScore
rawScore = clamp(rawScore, 0, maxScore)

Behavior score components:

Component	Formula	Config Param
Repayment contribution	`repaymentRatio × repaymentWeight`	`repaymentWeight`
Protocol diversity contribution	`distinctProtocols × protocolWeight`	`protocolWeight`
Tenure contribution	`epochsActive × tenureWeight`	`tenureWeight`

Where repaymentRatio = (onTimeRepayments / totalRepayments) × scale, computed off-circuit by the witness and verified inside the circuit with a remainder proof.

Penalty score components:

Component	Formula	Config Param
Liquidation penalties	`liquidationPenaltyPoints × liquidationWeight`	`liquidationWeight`
Active debt penalty	`activeDebtFlag × activeDebtPenalty`	`activeDebtPenalty`
Risk band penalty	`riskBand × riskBandWeight`	`riskBandWeight`

Safety invariants enforced on-chain:

Event monotonicity: eventEpoch >= lastEventEpoch (prevents retroactive manipulation)
Replay protection: each eventId is hashed with domain tag, user, issuer, and contract address — duplicates are rejected
Commitment validation: both the credit score and accumulator must have valid Merkle paths in the on-chain commitment trees before and after each update
Score arithmetic: underflow and overflow are asserted before the final value is stored