Does NUTS utilize off-chain data for credit scoring?

By design, NUTS will only incorporate on-chain data for credit scoring. We believe this is the only way to analyze blockchain addresses in a truly decentralized fashion. At the initial stage, on-chain data from the Ethereum network will be used for building credit profiles for public keys. During the second stage, credit scoring models will incorporate on-chain data from the proprietary NUTS network. In the future NUTS will seek to incorporate data from other reputable blockchain networks such as Bitcoin, Ethereum, and EOS subject to development of interoperability protocols.
At NUTS, we understand the value of financial applications that make use of both on-chain and off-chain data. We also believe that centralized and decentralized processes can co-exist in financial services applications. Our mission is to provide the necessary tools to support that decentralized component.