{"applicable":true,"rating":"NR","score":8,"next":{"rating":"CCC","floor":15,"pointsAway":7},"thin":{"payersNeeded":1,"settlementsNeeded":4,"grossNeeded":0.04,"ratingWhenRated":"D"},"customers":{"typicalUsd":0.01,"forNext":1,"byCount":[{"count":1,"score":20,"rating":"CCC"},{"count":3,"score":31,"rating":"B"},{"count":5,"score":39,"rating":"B"},{"count":10,"score":50,"rating":"BB"},{"count":25,"score":59,"rating":"BB"},{"count":50,"score":59,"rating":"BB"},{"count":100,"score":59,"rating":"BB"}]},"levers":[{"code":"customers","title":"1 more independent customer","detail":"New wallets you do not control, each paying about $0.010 (what a typical customer pays you now). This is the lever that moves the rating.","scoreAfter":20,"ratingAfter":"CCC","gain":12},{"code":"time","title":"30 more days with a paid, independent customer","detail":"Track record saturates around 25 active days; you have 1. Days only count when an independent customer pays on them.","scoreAfter":51,"ratingAfter":"BB","gain":43},{"code":"time","title":"10 more days with a paid, independent customer","detail":"Track record saturates around 25 active days; you have 1. Days only count when an independent customer pays on them.","scoreAfter":38,"ratingAfter":"B","gain":30},{"code":"identity","title":"Register an ERC-8004 identity and add a Self proof","detail":"Together worth 8 points on a record that is at least half organic: 3 for the registration, 5 for a fresh passport proof.","scoreAfter":16,"ratingAfter":"CCC","gain":8},{"code":"activity","title":"One organic payment this week","detail":"No independent customer has paid in over 90 days, which cuts the score by 40%. One payment from a wallet you do not control removes that.","scoreAfter":13,"ratingAfter":"D","gain":5},{"code":"identity","title":"Add a Self Agent ID human proof","detail":"A fresh passport proof is worth 5 points. It also collapses sock wallets that share one human, so it is the identity check Assay trusts most.","scoreAfter":13,"ratingAfter":"D","gain":5},{"code":"identity","title":"Register an ERC-8004 identity from this wallet","detail":"Worth 3 points on a record that is at least half organic.","scoreAfter":11,"ratingAfter":"D","gain":3}],"struckOut":null,"keep":["100% of organic revenue comes from one customer. If it leaves, independent payers fall with it."],"note":"Only independent customers count. Payers this wallet funded, or that share its funder, are struck out before anything is scored, so the only way up is real revenue from wallets it does not control."}