Digital Credit Compass
Independent Risk Analysis Platform

Clarity Before CapitalModel Digital Incomewith Transparent Risk

Score digital yield providers 0–100. Simulate income strategies across BTC, fiat, and stablecoins. Export institutional-grade risk reports. No custody. No advice. No black box.

Start Free Risk AnalysisNo credit card required
1-minute overview
✔ No asset custody✔ No transaction execution✔ Standardized risk scoring✔ Exportable reports

38 Failures. $40B+ Lost. No Warning System Existed.

Between 2020 and 2025, 38 digital asset platforms failed. Users had no standardised way to assess risk before allocating capital.

38

Platform Failures (2020–2025)

$40B+

Retail Capital Lost

0

Independent Retail Risk Tools Existed

1

Platform Built to Close This Gap

Celsius, BlockFi, Voyager, FTX, Terra/Luna. The platforms that collapsed shared structural weaknesses that were detectable before failure. DCC’s methodology was calibrated against these events to ensure the scoring framework reflects real-world failure patterns, not theoretical assumptions.

0+

Providers Scored

0

Asset Classes

0

Jurisdictions

0

Risk Bands

0

Entity Historical Dataset

Not a Black Box. Not Pay-to-Play.

How DCC differs from legacy issuer-paid ratings on the dimensions that matter for digital income.

Comparison of traditional credit rating agencies and Digital Credit Compass across five dimensions.
DimensionTraditional AgenciesFitch / S&P / Moody’sDCCIndependent, evidence-based
Asset CoverageCorporate bonds, sovereign debtBTC lending, stablecoin protocols, BTC treasury preferred shares
Rating ScaleLetter grades (AAA to D), analyst consensusNumeric 0–100, deterministic formula with published weights
TransparencyMethodology published; inputs confidentialEvery weight, formula, sub-criterion published; independently replicable
Conflict of InterestIssuer-pays modelNo issuer payment; public evidence only
Update FrequencyAnnual or event-driven; may lag monthsMarket data weekly; structural changes within 30 days
Source: DCC Risk Scoring Methodology v1.0, Section 04

Built for Retail Investors

No Custody of Assets

DCC never holds, moves, or has access to your funds. We are a pure analytics platform.

No Investment Advice

Scores are computed deterministically from public data. DCC does not recommend, endorse, or advise on any provider.

Full Transparency

Every criterion weight, scoring formula, and hard rule is published in our methodology document. Any score can be independently verified.

How DCC Works

A structured framework for evaluating digital yield strategies.

01

Define Objective

Specify capital, time horizon, and acceptable risk parameters across BTC-backed, fiat, or stablecoin strategies.

02

Stress Test

Simulate strategy performance across multiple market conditions using DCC's deterministic scoring engine and HV30 volatility data.

03

Compare

Evaluate providers and allocations using standardized safety scores, yield metrics, and risk tier classifications.

04

Generate Risk Report

Export a professional risk analysis report documenting assumptions, scores, and scenario results for your records or advisors.

Platform Capabilities

Everything you need to evaluate digital income strategies with clarity.

Risk Scoring Engine

Deterministic, rule-based scores across BTC Collateral Lending, Treasury Strategies, and Stablecoin Yield planners. Fully transparent methodology.

Yield Board

Live intelligence feed comparing providers by risk-adjusted yield. Score bands, duration multipliers, and tier classifications.

Risk Analysis Reports

Export professional PDF reports documenting your analysis, scores, and scenario assumptions for advisors or records.

Portfolio Layer

Blend multiple strategies and providers into a single blended risk score and income projection.

Scenario Modeling

Stress test income strategies across multiple market conditions including BTC volatility and depeg scenarios.

On-Chain Score Verification

Every score is SHA-256 hashed and Bitcoin-anchored via OpenTimestamps. Anyone can independently verify score integrity using our public verification tool.

DCC Assistant

Get instant answers about DCC scoring methodology, provider risk factors, yield structures, and platform features.

Start your free analysis

Open an account and run your first income scenario with full methodology transparency—no credit card required.

Get started

Methodology

Transparent Risk Methodology

Every score is computed using a published, deterministic formula. No black boxes. No analyst discretion.

  • Transparency
    20%
  • Collateral Control
    35%
  • Jurisdiction
    15%
  • Structural Risk
    25%
  • Track Record
    5%
  • BTC Coverage / SDACR
    30%
  • Income Structure
    25%
  • Market Risk
    20%
  • Convertibility
    17%
  • Issuer Maturity
    8%

CeFi

  • Solvency
    35%
  • Liquidity
    25%
  • Regulatory
    20%
  • Yield
    10%
  • Jurisdiction
    10%

DeFi

  • Protocol Security
    40%
  • Governance
    30%
  • Yield Transparency
    15%
  • Liquidity
    10%
  • Peg Stability
    5%

Every criterion weight and scoring threshold has been calibrated against an empirical dataset of 38 historical digital asset failure events (2020–2025).

View Full Methodology (PDF)

Understanding DCC

Common questions about the platform, our approach, and how we work.

Learning Hub

Learn Before You Allocate

Free educational modules that build your understanding of digital credit risk — before you commit capital.

7 modules~58 min total5 free — no credit card
Free tier

Free modules

Open to every account — no payment required.

5 included41 min
Free

01Fundamentals

Understanding Credit Risk in Digital Assets

8 min readStart
Free

02Methodology

How DCC Scores Providers

10 min readStart
Free

03Interpretation

Reading a Risk Score

6 min readStart
Free

04Planner 1A

BTC Collateral Lending Explained

9 min readStart
Free

05Planner 1C

Stablecoin Yield: CeFi vs DeFi

8 min readStart
Pro tier

Pro modules

Advanced lessons for DCC Pro subscribers.

Pro · Locked
Pro

06Simulation

Building a Stress Scenario

7 min readUnlock
Pro

07Reports

Understanding Your Risk Analysis Report

10 min readUnlock
Start Learning Free

5 modules free. No credit card required.

Access DCC

Designed for investors who want greater transparency when evaluating digital yield strategies.

Explorer

Explore the DCC platform and run initial income simulations.

$0/ mo

Free forever

  • Bitcoin, fiat, and stablecoin income planners
  • Save 1 scenario
  • Basic risk overview
  • Yield Board preview
  • Limited filtering options
Start Exploring
Most Popular

DCC Pro

Full access to all risk intelligence and yield analysis tools.

$70/ mo

billed annually ($840/yr)

Save $108 per year

  • Full risk scoring engine (BTC, Fiat, Stablecoin)
  • Complete Yield Board access
  • Strategy comparison tools
  • Exportable risk analysis reports (PDF)
  • Portfolio layer with blended risk scores
  • Scenario modeling and stress testing
  • Full provider and instrument details
Unlock Full Access

Full Feature Comparison

Feature comparison between Explorer and DCC Pro plans
FeatureExplorerDCC Pro
Income Planners (1A, 1B, 1C)
Yield Board Preview
Save 1 Scenario
Save Unlimited Scenarios
Risk Analysis Reports (PDF)
Portfolio Layer
Stress Testing
Provider Comparison Tool
Score Drill-Down Detail
Learning Hub (Free Modules)
Learning Hub (Pro Modules)
Provider Discussions

Ready to Get Started?

Start modeling digital income strategies and evaluating risk with DCC.

Access the platform's planners, risk intelligence tools, and Yield Board to explore digital credit opportunities with greater clarity.

Start ExploringContact Us