By market close. As reported in the comments. If "other" trades highly I will add more buckets. As measured at loan initiation time.
https://github.com/crowlsyong/rcr?tab=readme-ov-file
Update 2026-03-01 (PST) (AI summary of creator comment): For the RISK score buckets: lower bounds are inclusive, upper bounds are exclusive.
Update 2026-03-01 (PST) (AI summary of creator comment): What constitutes a loan default: Any loan payment that is late, specifically for peer-to-peer loans of the sort discussed in the linked Discord channel where the RISK credit score might plausibly be relevant.
Leaderboard determination: Based on the RISK score of the person who is late in making a payment.
Update 2026-03-01 (PST) (AI summary of creator comment): Loan terms: If details are unclear, loan terms are as per the sender's managram text.
Update 2026-03-01 (PST) (AI summary of creator comment): Eligible loans: Only loans made after market creation are eligible for determining the highest RISK score for loan default.
1,000People are also trading
@Stralor Fair question, I should have specified. After market creation. The intent (obviously, no other possible motive) is that creditors should be able to take out insurance to de-risk loans they are considering.
@SavioMak Any loan payment is late. Of the peer to peer sort discussed in https://discord.com/channels/915138780216823849/1194385337510797432 where the RISK credit score might plausibly be relevant. Leaderboard based on the RISK score of the person who is late in making a payment.