# Overview

During DCA Account creation, new credit ID wallets would be created for all users with self custody that can be used for any credit transactions across multiple chains. The on-chain scoring methodology would be divided the the following manner:

* Wallet Attestation: 20%
* Defi Activity: 40%
* Wallet Data and Analytics: 40%

Please note that new wallets with no transaction or activity would be considered as null and won't be added to the scoring.

In terms of methodologies the score distribution would be as follows:

| Methodology A                         | Methodology B                         | Methodology C                        |
| ------------------------------------- | ------------------------------------- | ------------------------------------ |
| Wallet Attestation: 120 Points        | Wallet Attestation: 50 Points         | Wallet Attestation: 30 Points        |
| Defi Activity: 240 Points             | Defi Activity: 100 Points             | Defi Activity: 60 Points             |
| Wallet Data and Analytics: 240 Points | Wallet Data and Analytics: 100 Points | Wallet Data and Analytics: 60 Points |
