Intelligence Layer

The Pulse Score™ Framework

The schema is divided into four primary data clusters that feed into the final score calculation, providing a real-time, high-fidelity assessment of creditworthiness.

1. Core Identity Attributes

• Sovereign ID: The user’s did:ion or did:key.
• Verification Level: The depth of KYC/KYB performed by regulated partners (Level 1–3).
• Tenure: The age of the decentralized identity and its history within the Weritas ecosystem.

2. Behavioral Telemetry (The "Pulse")

• Transaction Velocity: The frequency and consistency of economic activity.
• Volatility Buffer: A measure of how the user manages sudden changes in cash flow.
• Reliability Index: Calculated based on the history of fulfilling "Smart Commitments" or protocol-level interactions.

3. Risk Tiering

A-Prime to C-Standard: A standardized classification used by institutional partners to automate interest rate and collateral requirements.

Technical Data Schema (JSON-LD)

This is the exact structure used for the Verifiable Credential issued to the user's WERI Wallet.

{
  "@context": [
    "https://www.w3.org/2018/credentials/v1",
    "https://schema.weritas.io/v1/pulse-score"
  ],
  "type": ["VerifiableCredential", "PulseScoreCredential"],
  "issuer": "did:weritas:council",
  "credentialSubject": {
    "id": "did:user:unique-identifier",
    "pulse_score": {
      "current_value": 742,
      "max_possible": 1000,
      "trend": "improving"
    },
    "risk_analysis": {
      "tier": "A-Prime",
      "probability_of_default": 0.012,
      "liquidity_score": 0.88
    },
    "data_provenance": {
      "source": "Inverite_V3_API",
      "last_updated": "2026-04-07T08:00:00Z",
      "confidence_interval": 0.96
    }
  },
  "proof": {
    "type": "Ed25519Signature2020",
    "verificationMethod": "did:weritas:council#key-1",
    "jws": "eyJhbGciOiJFZERTQSIsImI2NCI6ZmFsc2UsImNyaXQiOlsis..."
  }
}

The Scoring Lifecycle

Request

A user triggers a score update via the WERI Wallet.

Consent

The user grants the Weritas Intelligence Layer temporary, encrypted access to their Decentralized Web Node (DWN).

Compute

The AI engine processes the telemetry locally or in a secure environment. It does not "see" the raw data; it only calculates the attributes.

Attestation

The engine generates the score and signs the Pulse Score™ VC.

Storage

The signed VC is delivered to the user's wallet. The raw data remains in the user's control.

Institutional Utility

Feature	Institutional Value
Real-Time Accuracy	Unlike static monthly reports, the Pulse Score™ reflects current financial health.
Alternative Data Integration	Enables lending to the "unbanked" by leveraging mobile money and telecom data.
Zero Data Liability	Lenders verify the outcome (the score) without needing to store the source (sensitive data).
Fraud-Proof	Cryptographic signatures ensure the score cannot be altered by the user or a third party.

Developer Implementation Note:

"The Pulse Score™ SDK allows partners to define 'Custom Risk Thresholds.' A lender can set an automated 'Approve' signal for any DID presenting a Pulse Score™ VC with a value > 700 and a Reliability Index > 0.90."