How your credit score
is built.
NECB is an opt-in trust ledger for capsuleers, a way to be rewarded for a strong repayment history and to give counterparties a clear, ESI-backed picture of who they're dealing with, without ever handing over your ESI access.
Why it exists
A centralised, capsuleer-controlled trust layer for every kind of in-game transaction.
Reward good history
Consistent repayments and clean activity translate into a higher score and better products.
Opt-in trust ledger
You decide when to generate a report, and what to share. Nothing is published by default.
Share without ESI
Counterparties get a clear, scoped report, never your tokens, never your scopes.
What we look at
Six signal families combine into a single, explainable score.
Primary activities
What kind of capsuleer are you?
- Industry, trading, missioning, mining, exploration
- Combat tempo and faction warfare involvement
- Confidence-weighted by frequency, not volume
Income & expenditure
Cash flow tells the real story.
- Wallet inflow / outflow over rolling windows
- Source mix, earned vs transferred ISK
- Stability beats spikes
Asset distribution
Wealth, spread and concentration risk.
- Estimated wealth via CCP reference pricing
- Distribution across stations and structures
- Concentration in single locations flagged
Habits & engagement
Longevity and consistency matter.
- Character age and corporation tenure
- Login cadence and recent activity
- Corp-hop frequency over the last year
Associations & sanctions
Direct and associated trust signals.
- Active sanctions on character, corp or alliance
- Sanction severity and recency
- Score impact is transparent and reversible
Behavioural flags
Context the raw numbers miss.
- Data quality and ESI completeness
- Anomalies in wallet or contract patterns
- Surfaced as flags, not silent penalties
From ESI to score
Five deterministic steps. Every score is fully traceable.
- 01
ESI snapshot
Capsuleer-scoped reads of wallet, assets, corp history and activity.
- 02
Categorise
Journal entries and assets sorted into income sources and signal categories.
- 03
Weight
Each signal weighted by reliability, recency and corroboration.
- 04
Risk profile
Strengths and concerns assembled into a structured report with flags.
- 05
Score
A single credit score plus the full evidence trail behind it.
What we deliberately don't do
A credit bureau, not an intelligence service.
No corp-scoped ESI
We never request corporation wallets, structures, member tracking or any other corp-level read. NECB cannot become a back-door intel tool.
Capsuleer-focused only
Reports describe the individual capsuleer's track record. We surface affiliations, but we don't profile your corp or alliance.
You control sharing
Share links are explicit, revocable and scoped. Revoking a link instantly cuts access.
Sharing, in three steps
Your report travels, your ESI doesn't.
You
Generate a report from your linked character.
Share token
Mint a revocable link with optional expiry.
Counterparty
Reads a scoped, read-only report. No ESI access granted.
Ready to see your number?
Run an ESI-backed report and start building a verifiable reputation across New Eden.
Coming Soon
Gloom Financial isn't actively lending yet.