# On-chain Identity for DeFi Unomi scores are programmable identity legos for building user intelligent DeFi 2.0 protocols. Besides the credit scoring and hodler scoring, the use cases for programmable, evolving and composable on-chain identity based on wallet-based financial histories are infinite. An on-chain analysis of an address's activities will generate an Unomi DeFi score. Users can use these on-chain NFT issued identities to get access to better ecosystem opportunities. Protocols integrated with Unomi can provide users with dynamic rates on the fly. DeFi score comprises credit, farming, governance and hodling history for an address or a group of addresses on multiple blockchains. ‌When calculating credit scores, what kind of on-chain data points are taken into account? * Borrow utilization on lending protocols * The user had taken a loan on leading DeFi protocols * Liquidation events. * Repayment history * Amounts owed and repaid * Collateral ratio What kind of on-chain data points are considered when calculating the Farming, Hodler, Trader and Governance score? * User participated in leading farms and protocols. * User has staked tokens for a duration. * User votes, create proposals and is active in protocol governance. * Mercenary farming and short term token holding * User has held airdrop tokens for long term * User has kept exchange listing tokens for long term * Amount of on-chain transaction volume by a user (Whale and power users) --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://kudomoney.gitbook.io/kudo-docs/protocol/on-chain-identity-for-defi.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.