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THE TRUST GAP

Balances, Not Behavior

Incomplete Data

Systems show balances but miss the money-movement signals.

Freelancer Friction

Many workers can’t prove reliability without formal records.

Lending Blind Spots

Platforms lack real-time behavior signals, raising risk and friction.

Raw transaction data is noise. FluxID turns it into a signal.

"We know what you have, but not how you behave."

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THE SOLUTION

Meet the Liquidity Identity

LIQUIDITY SCORE

LOW RISK

Explainable AI

Human-readable insights into financial behavior.

Frictionless Analysis

Analyze any wallet address instantly.

Decision Layer

A programmable trust primitive for lending and marketplaces.

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PROCESS

Data-Driven Reliability

Ingest

Fetch real-time transaction history via Stellar Horizon and normalize asset data across XLM and USDC.

Analyze

Run the deterministic scoring engine on inflow consistency, outflow stability, and transaction frequency.

Explain

Generate human-readable insights using a hybrid model of rule-based logic and AI-powered reasoning.

On-Chain

Optionally store scores in Soroban smart contracts for verifiable, portable, and transparent identity.

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SCORING ENGINE

Core Scoring Metrics

Inflow Consistency

25%

Uses Coefficient of Variation (CV) to measure the regularity and predictability of incoming funds over time.

Outflow Stability

25%

Evaluates spending patterns to detect high volatility or erratic withdrawals that signal financial risk.

Activity Frequency

20%

Rewards active wallet usage and consistent interaction with the network over a rolling 90-day window.

Flow Stability

15%

Analyzes the net balance between liquidity inflows and outflows to ensure sustainable financial behavior.

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MARKET USE CASES

Infrastructure for Trust

Lending Protocols

Enable instant credit-worthiness checks for undercollateralized loans based on real-time behavior.

Freelance Platforms

Verify worker reliability to unlock faster payouts, lower fees, and better terms for global talent.

Marketplaces

Enable "Pay Later" models and flexible payment terms for buyers with high-trust liquidity scores.

AI Agents

Support autonomous, payment-gated intelligence (X402) with verifiable financial reputation.

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THE VISION

A Global Trust Primitive

PHASE 1: MVP

Single Wallet Scoring

Address-based analysis

Rule-based engine

AI-powered insights

Demo-ready dashboard

PHASE 2: SCALE

Protocol Intelligence

User-base health metrics

Risk heatmaps & alerts

API-first infrastructure

X402 agentic payments

PHASE 3: OUTCOME

Internet of Value

Decentralized reputation

Cross-chain trust signals

Global credit primitive

Standard for reliability