{"$schema":"https://verifymcp.io/schemas/trust-report.json","schemaVersion":1,"license":{"name":"CC BY-NC 4.0","url":"https://creativecommons.org/licenses/by-nc/4.0/"},"generatedAt":"2026-11-06T16:32:34.467Z","url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production","markdownUrl":"https://verifymcp.io/servers/malonitest-credinet/credinet-production.md","server":{"slug":"malonitest-credinet","name":"Credinet","registryName":"io.github.malonitest/credinet","description":"Evidence-backed loan discovery preserving UNKNOWN and match states; never guarantees approval.","registryStatus":"active","deletedAt":null,"statusMessage":null,"liveness":"live","publisher":{"class":"unknown","claimed":false}},"component":{"slug":"credinet-production","type":"remote","identifier":"https://credinet-production.crediten-data-foundation.workers.dev/mcp","withdrawn":false,"url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production","version":"1.0.0","transport":null,"scoredAt":"2026-11-06T09:20:48.835Z"},"score":{"total":84,"tier":"high trust","status":"scored","weekDelta":8,"history":[{"date":"2026-11-06","total":84},{"date":"2026-11-05","total":77},{"date":"2026-11-04","total":76},{"date":"2026-11-03","total":77},{"date":"2026-11-02","total":77},{"date":"2026-11-01","total":77},{"date":"2026-10-31","total":77},{"date":"2026-10-30","total":76},{"date":"2026-10-29","total":76},{"date":"2026-10-28","total":75},{"date":"2026-10-27","total":75},{"date":"2026-10-26","total":74},{"date":"2026-10-25","total":74},{"date":"2026-10-24","total":73},{"date":"2026-10-23","total":73},{"date":"2026-10-22","total":73},{"date":"2026-10-21","total":72},{"date":"2026-10-20","total":72},{"date":"2026-10-19","total":71},{"date":"2026-10-18","total":71},{"date":"2026-10-17","total":70},{"date":"2026-10-16","total":70},{"date":"2026-10-15","total":69},{"date":"2026-10-14","total":69},{"date":"2026-10-13","total":68},{"date":"2026-10-12","total":68},{"date":"2026-10-10","total":67},{"date":"2026-10-09","total":66},{"date":"2026-10-06","total":65},{"date":"2026-10-04","total":64}]},"categories":[{"name":"Endpoint Security","score":80,"verdict":"fail","reasons":["The endpoint's TLS certificate is valid, in date, and uses a strong key.","No authorisation is required to call this server, and every tool looks verifiably read-only (it declares readOnlyHint: true, starts its name with a read verb and describes no write), so an anonymous caller can read but cannot change anything. We can't see whether a tool returns data specific to one caller, so keep any per-user data behind authorisation.","HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.","HSTS check failed: the Strict-Transport-Security header is absent.","DNSSEC check failed: this domain isn't protected by DNSSEC."],"codes":[{"code":"tls.valid","args":{}},{"code":"auth.none_read_only","args":{}},{"code":"https.inconclusive","args":{"reason":"plaintext_status","status":"405"}},{"code":"headers.hsts_absent","args":{}},{"code":"dnssec.absent","args":{}}]},{"name":"Transport & Reachability","score":100,"verdict":"pass","reasons":["Verified streamable-http transport via a live MCP handshake."],"codes":[{"code":"transport.verified","args":{"transport":"streamable-http"}}]},{"name":"Schema Quality & AI Usability","score":63,"verdict":"fail","reasons":["AI-judged instruction clarity (good).","Tool/resource definitions use about 378 tokens (~94/item across 4 items; 4 tools + 0 resources), lean.","Usage-examples check failed: none of the tools include examples."],"codes":[{"code":"schema.ai_quality","args":{"band":"good"}},{"code":"schema.footprint_lean","args":{"avg":"94","items":"4","tools":"4","tokens":"378","resources":"0"}},{"code":"schema.examples_absent","args":{}}]},{"name":"Stability & Change Management","score":100,"verdict":"pass","reasons":["No destabilizing schema changes in the last 30 days."],"codes":[{"code":"stability.stable","args":{}}]},{"name":"Tool Coverage","score":77,"verdict":"partial","reasons":["100% of tools have a non-trivial description (not blank, and not just the tool's name).","19% of tool parameters carry a description.","Structured output schemas are declared (100% of tools); any adoption earns full credit."],"codes":[{"code":"toolquality.descriptions","args":{"pct":"100"}},{"code":"toolquality.param_docs","args":{"pct":"19"}},{"code":"toolquality.output_present","args":{"pct":"100"}}]},{"name":"Tool Safety","score":100,"verdict":"pass","reasons":["No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.","We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.","An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it."],"codes":[{"code":"toolsafety.injection_clean","args":{}},{"code":"toolsafety.destructive_none","args":{"tools":"4"}},{"code":"toolsafety.manipulation_clean","args":{"units":"4","judged":"4"}}]},{"name":"Capabilities","score":100,"verdict":"pass","reasons":["Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28."],"codes":[{"code":"protocol.supported","args":{"latest":"2026-07-28","version":"2025-11-25"}}]}],"inconclusive":["HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement."],"malware":[],"components":[{"slug":"credinet-production","type":"remote","identifier":"https://credinet-production.crediten-data-foundation.workers.dev/mcp","withdrawn":false,"score":84,"current":true,"url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production","markdownUrl":"https://verifymcp.io/servers/malonitest-credinet/credinet-production.md"}],"facts":[{"label":"Endpoint","value":"https://credinet-production.crediten-data-foundation.workers.dev/mcp"},{"label":"Transports","value":"streamable-http"},{"label":"Auth","value":"none"},{"label":"Version","value":"1.0.0"}],"install":{"available":true,"bundleSha256":null},"tools":[{"name":"find_borrowing_products","title":null,"description":"Use when a user asks which loan, credit, card, mortgage, or other borrowing products may fit stated requirements in a supported country. Returns governed match states, not eligibility or approval.","inputs":[{"name":"amount","type":"object","required":false,"description":null},{"name":"applicant_role","type":"string","required":false,"description":null},{"name":"borrower_count","type":"integer","required":false,"description":null},{"name":"borrower_type","type":"string","required":false,"description":null},{"name":"country","type":"string","required":true,"description":null},{"name":"customer_relationship","type":"string","required":false,"description":null},{"name":"execution_mode","type":"string","required":false,"description":"Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected."},{"name":"offer_context","type":"string","required":false,"description":null},{"name":"product_type","type":"string","required":false,"description":null},{"name":"purpose","type":"string","required":false,"description":null},{"name":"term","type":"object","required":false,"description":null}],"outputs":[{"name":"contract_version","type":"string","required":true,"description":null},{"name":"evidence_summary","type":"object","required":true,"description":null},{"name":"limitations","type":"array","required":true,"description":null},{"name":"request_normalization","type":"object","required":true,"description":null},{"name":"result_state","type":"string","required":true,"description":null},{"name":"results","type":"array","required":true,"description":null},{"name":"tool","type":"string","required":true,"description":null}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":147},{"name":"compare_borrowing_costs","title":null,"description":"Use after product discovery to compare evidence-backed, scenario-bound borrowing costs for two or more returned products. 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EVALUATION_MODE is rejected."},{"name":"product_ids","type":"array","required":true,"description":null},{"name":"scenario","type":"object","required":false,"description":null}],"outputs":[{"name":"contract_version","type":"string","required":true,"description":null},{"name":"evidence_summary","type":"object","required":true,"description":null},{"name":"limitations","type":"array","required":true,"description":null},{"name":"request_normalization","type":"object","required":true,"description":null},{"name":"result_state","type":"string","required":true,"description":null},{"name":"results","type":"object","required":true,"description":null},{"name":"tool","type":"string","required":true,"description":null}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":86},{"name":"check_product_requirements","title":null,"description":"Use when a user wants documented requirements checked for one returned product using supplied non-sensitive characteristics. Never predicts eligibility or approval.","inputs":[{"name":"characteristics","type":"object","required":true,"description":null},{"name":"execution_mode","type":"string","required":false,"description":"Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected."},{"name":"product_id","type":"string","required":true,"description":null}],"outputs":[{"name":"contract_version","type":"string","required":true,"description":null},{"name":"evidence_summary","type":"object","required":true,"description":null},{"name":"limitations","type":"array","required":true,"description":null},{"name":"request_normalization","type":"object","required":true,"description":null},{"name":"result_state","type":"string","required":true,"description":null},{"name":"results","type":null,"required":true,"description":null},{"name":"tool","type":"string","required":true,"description":null}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":72},{"name":"get_product_details","title":null,"description":"Use when a user asks for evidence-backed facts, limitations, requirements, applicability, or commercial handoff details for one canonical product.","inputs":[{"name":"context","type":"object","required":false,"description":null},{"name":"execution_mode","type":"string","required":false,"description":"Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected."},{"name":"product_id","type":"string","required":true,"description":null}],"outputs":[{"name":"contract_version","type":"string","required":true,"description":null},{"name":"evidence_summary","type":"object","required":true,"description":null},{"name":"limitations","type":"array","required":true,"description":null},{"name":"request_normalization","type":"object","required":true,"description":null},{"name":"result_state","type":"string","required":true,"description":null},{"name":"results","type":null,"required":true,"description":null},{"name":"tool","type":"string","required":true,"description":null}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":73}],"toolsTruncatedAtCapture":false,"diagnostics":{"capturedAt":"2026-11-06T09:20:48.000Z","track":"remote","endpoint":"https://credinet-production.crediten-data-foundation.workers.dev/mcp","declaredUrl":null,"truncated":false,"tls":{"outcome":"valid","label":"Valid","version":"TLS 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signed","name":"credinet-production.crediten-data-foundation.workers.dev.","steps":[{"zone":".","outcome":"verified","label":"Verified"},{"zone":"dev.","outcome":"verified","label":"Verified"},{"zone":"workers.dev.","outcome":"insecure_proven","label":"Unsigned (proven)"}]},"auth":{"outcome":"none","label":"No authorisation required","gate":null,"gateLabel":null,"status":200,"authorizationServers":[]},"httpsRedirect":{"outcome":"inconclusive","label":"Inconclusive","status":405},"transports":[{"transport":"streamable-http","outcome":"verified","label":"Verified","status":200,"followed":false}],"provenance":null,"installScripts":[],"installScriptsTotal":null,"vulnerabilities":[],"vulnerabilitiesTotal":null,"dependencies":null},"mismatches":[],"changelog":{"trackingSince":"2026-09-24","recent":[{"id":"chg_01a1b029-24d6-7a38-b68b-6ec540e79f36","kind":"score.rubric_changed","summary":"We updated how we score, so this day's move reflects our rubric, not a change to the server","materiality":"functional","direction":"neutral","scoreDelta":null,"occurredOn":"2026-11-06","url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production#chg-chg_01a1b029-24d6-7a38-b68b-6ec540e79f36"},{"id":"chg_01a1ab09-b9f6-7a66-a038-3daf7a6b72ec","kind":"check.verdict","summary":"Stability (0.97 → pass)","materiality":"security","direction":"neutral","scoreDelta":null,"occurredOn":"2026-11-05","url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production#chg-chg_01a1ab09-b9f6-7a66-a038-3daf7a6b72ec"},{"id":"chg_01a1ab09-b9f7-7961-9d66-497ba3ca75ac","kind":"score.total_changed","summary":"Trust score (76 → 77)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-11-05","url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production#chg-chg_01a1ab09-b9f7-7961-9d66-497ba3ca75ac"},{"id":"chg_01a1a5d8-df57-7c1f-b7d3-9324637287fb","kind":"check.verdict","summary":"Stability (pass → 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74)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-25","url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production#chg-chg_01a1724a-b2a4-7945-87a2-7cc5d092aa43"},{"id":"chg_01a162da-a679-70f5-b7bb-a9c9675de9e6","kind":"score.total_changed","summary":"Trust score (72 → 73)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-22","url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production#chg-chg_01a162da-a679-70f5-b7bb-a9c9675de9e6"},{"id":"chg_01a1588d-664c-798c-aa9e-17af70df21bf","kind":"score.total_changed","summary":"Trust score (71 → 72)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-20","url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production#chg-chg_01a1588d-664c-798c-aa9e-17af70df21bf"},{"id":"chg_01a14e40-fde9-790a-a7f3-bdbc8917f9c4","kind":"score.total_changed","summary":"Trust score (70 → 71)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-18","url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production#chg-chg_01a14e40-fde9-790a-a7f3-bdbc8917f9c4"},{"id":"chg_01a143f2-a03b-76a2-ae8c-41734c3014e0","kind":"score.total_changed","summary":"Trust score (69 → 70)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-16","url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production#chg-chg_01a143f2-a03b-76a2-ae8c-41734c3014e0"},{"id":"chg_01a139a6-5b8c-76db-acca-139c8bb258c0","kind":"score.total_changed","summary":"Trust score (68 → 69)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-14","url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production#chg-chg_01a139a6-5b8c-76db-acca-139c8bb258c0"},{"id":"chg_01a12e3b-46f1-7b03-a5ee-ee4036fa508f","kind":"score.total_changed","summary":"Trust score (67 → 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64)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-03","url":"https://verifymcp.io/servers/malonitest-credinet/credinet-production#chg-chg_01a10103-0603-73cb-8d2c-3cf616f00432"}],"truncated":true,"feedUrl":"https://verifymcp.io/servers/malonitest-credinet/credinet-production/changelog.json"},"links":{"html":"https://verifymcp.io/servers/malonitest-credinet/credinet-production","markdown":"https://verifymcp.io/servers/malonitest-credinet/credinet-production.md","changelogJson":"https://verifymcp.io/servers/malonitest-credinet/credinet-production/changelog.json","changelogRss":"https://verifymcp.io/servers/malonitest-credinet/credinet-production.xml","external":[{"label":"Remote endpoint","href":"https://credinet-production.crediten-data-foundation.workers.dev/mcp"},{"label":"Authorisation metadata","href":"https://credinet-production.crediten-data-foundation.workers.dev/.well-known/oauth-protected-resource/mcp"},{"label":"Repository","href":"https://github.com/malonitest/crediten"}]}}