Verifying Email, Phone, X (Twitter)
Verifying your X account is one of the simplest yet powerful ways to strengthen your Localcredit identity and boost your score. It adds a layer of real-world persistence to your profile, signalling that you’re a unique individual with consistent online presence. For active users, it also unlocks advanced social scoring features using tools like VADER sentiment analysis, which can further improve your creditworthiness by rewarding quality, positive engagement. Why Verifying X is Important
Enhances Identity Strength: Linking your X account proves continuity beyond on-chain activity. It shows you’re a real person with a history of interactions, reducing sybil risks and increasing confidence in your behaviors.
Boosts Portability: A verified X handle ties your on-chain reputation to a widely recognized social identity, making your score more usable across platforms.
Builds Long-Term Signals: X verification rewards account age, follower count, and activity patterns, key for the Identity Strength & Persistence component (medium impact, weight 0.20 in the formula).
Privacy-Preserving: We don’t store or access your X data. Instead, a zero-knowledge proof confirms ownership and basic attributes without revealing your handle or posts publicly.
Adding X can add +5–15 points immediately, depending on account quality. Score Improvement with a Blue Check Mark (Verified Account)X's blue check mark (via X Premium or legacy verification) provides an extra authenticity signal, treated as a premium booster in Localcredit.
How It Works: During verification, we detect if your account is verified (blue check). This adds a multiplier to your X-linked score contribution, emphasizing trustworthiness.
Impact:
Non-verified X: +50–100 points (basic ownership + activity)
Verified (blue check): +100–200 points (signals vetted identity, reduces fraud risk)
Why It Matters for Credit: Lenders often see verified accounts as lower-risk, associating them with public accountability and real-world credibility. This can unlock better terms, like higher unsecured limits or lower APRs.
If you upgrade to X Premium after linking, your score will automatically update on the next refresh.
Using VADER Social Scoring for Active & Quality Posters For users who are active on X, Localcredit optionally analyzes your posting history using VADER (Valence Aware Dictionary and sEntiment Reasoner) a proven, rule-based sentiment analysis tool tuned specifically for social media texts like tweets. VADER evaluates tone, context, and nuance (e.g., emojis, slang, emphasis) to score sentiment on a scale from -40 (very negative) to +40 (very positive).
How VADER Integrates:
With your consent during verification, we fetch a sample of recent public posts (anonymized and ephemeral — never stored).
VADER computes an average sentiment score, focusing on quality:
Positive, constructive posts (e.g., professional discussions, helpful replies) boost your score.
Neutral or mildly positive activity maintains stability.
Negative, inflammatory, or low-quality content (e.g., spam, toxicity) has minimal or neutral impact (we avoid punishing free speech).
Active posters (e.g., 10+ posts/month with >50 followers) get the most benefit if sentiment is net positive.
Score Improvement:
High-quality active posting: +5–15 points added to Behavioral Consistency & Continuity (high impact, weight 0.40).
Example: A user with consistent positive tweets about finance/tech might gain +10 points, signalling reliability and community trust.
Inactive or low-quality accounts: No penalty, but no extra boost.
Why This Improves Your Credit: Positive social engagement correlates with real-world traits like communication skills, network strength, and accountability — subtle signals of creditworthiness. VADER helps quantify this without bias, rewarding users who contribute value online.
How to Verify X
In the dashboard → “Boost” tab → tap “Link X (Twitter)”.
Authorize via OAuth (secure login to X).
Sign a challenge message with your wallet to prove ownership.
Optionally enable VADER analysis for the sentiment boost.
Verification is reversible: You can unlink anytime from Profile settings.By verifying X, you’re not just boosting your score, you’re creating a more holistic, verifiable portrait of your reliability that stands out to lenders and partners.
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