Architecture of WISE

WISE: Credit that You Own

WISE Credit incorporates fundamental data dimensions to comprehensively evaluate a user's standing within the community. To put it short:

WISE=Wealth+Identity+Social+Engagement

Wealth

Wealth Score reflects the user’s economic activity within the Web3 ecosystem, it uses a logarithmic scaling system, taking into account the total asset value in USD. Users with assets spread across multiple blockchains earn additional points, acknowledging their broader participation in the Web3 ecosystem.

Wealth Score is based on the users token holdings and real-time on-chain data. Token prices update every 24 hours. The score metrics includes:

• $ETH Holding;

• $TON Holding;

• $SUI Holding.

Identity

In the era when users can own digital assets, people's identities are much more versatile. The internet is a multiverse where a person can have a different identity in each blockchain or a different web2 service. A good credit system should act like a wormhole that connects all worlds.

Identity Score reflects the verification of a user’s digital identity and its reach across Web3:

• Crypto addresses linked to the user’s Incentive Passport.

• Social networks and platforms (e.g., X, Telegram, Discord) connected to their identity.

• Completion of KYC (Know Your Customer) verification through trusted third-party services.

A higher identity score is achieved by linking multiple verified identities, enhancing the user's credibility across different Web3 platforms.

Social

Social Score is one of the most important drivers of growth for Layer 1 blockchains and Web3 projects. As a result, there is growing interest in connecting social engagement with on-chain systems.

WISE Score measures a user’s social impact based on their activity and reach across major social platforms, including followers on X, subscribers and activity in Telegram channels and groups, and roles held in Discord servers, such as administrators or moderators.

The score uses a logarithmic model that accounts for both reach and engagement across platforms. A larger and more engaged audience results in a higher social impact score, reflecting a user’s real influence within decentralized communities.

By aggregating these signals, WISE Score evaluates cross-platform social influence and helps identify key opinion leaders (KOLs) and highly influential community members across Web3 ecosystems.

Engagement

When designing a credit system in the “own era,” we must also consider its impact on the broader ecosystem. A core question is how a credit system can create prosperity, not just for individuals, but for the entire network.

To do this, we must first understand why users engage in certain on-chain activities. Any engagement-based credit system should be explicit about what behaviors it rewards and what kind of participants it aims to cultivate.

A well-designed credit system should encourage meaningful contribution and healthy competition. It should reward users for creating value, not just extracting it. When done right, credit becomes a positive-sum mechanism that strengthens communities and drives long-term ecosystem growth.

Building WISE Credit Network

TBook aims to partner with top projects to build the WISE Credit Network. Defining an industry-level WISE Credit Standard requires consensus from the most reputable and experienced teams in the ecosystem. Such a standard has the potential to shape the future of the internet, and, by extension, improve people’s everyday lives.

An industry-grade WISE Credit Standard will evolve through multiple iterations over time. For this reason, a credit committee is essential. The committee serves as a decentralized governance mechanism that guides the ongoing development, refinement, and adoption of the WISE Credit Standard, ensuring it remains credible, adaptive, and aligned with the needs of the broader ecosystem.