# Credinet (remote · credinet-production.crediten-data-foundation.workers.dev)

Evidence-backed loan discovery preserving UNKNOWN and match states; never guarantees approval.

- Trust score: 84/100 (high trust)
- Change this week: +8
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-06

## Components

- remote · `credinet-production.crediten-data-foundation.workers.dev`: 84/100 (this document), [markdown](https://verifymcp.io/servers/malonitest-credinet/credinet-production.md), [page](https://verifymcp.io/servers/malonitest-credinet/credinet-production)

## Channel facts

- Endpoint: `https://credinet-production.crediten-data-foundation.workers.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-06.

- **Endpoint Security**: 80/100
  - 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.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 63/100
  - 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.
- **Stability & Change Management**: 100/100
  - No destabilizing schema changes in the last 30 days.
- **Tool Coverage**: 77/100
  - 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.
- **Tool Safety**: 100/100
  - 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.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the Credinet MCP server?

Credinet is a hosted endpoint at https://credinet-production.crediten-data-foundation.workers.dev/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http malonitest-credinet 'https://credinet-production.crediten-data-foundation.workers.dev/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "malonitest-credinet": {
      "url": "https://credinet-production.crediten-data-foundation.workers.dev/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "malonitest-credinet": {
      "type": "http",
      "url": "https://credinet-production.crediten-data-foundation.workers.dev/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.malonitest-credinet]
url = "https://credinet-production.crediten-data-foundation.workers.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "malonitest-credinet": {
      "type": "remote",
      "url": "https://credinet-production.crediten-data-foundation.workers.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add malonitest-credinet --url 'https://credinet-production.crediten-data-foundation.workers.dev/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  malonitest-credinet:
    url: "https://credinet-production.crediten-data-foundation.workers.dev/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "malonitest-credinet": {
      "Transport": "http",
      "Url": "https://credinet-production.crediten-data-foundation.workers.dev/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add malonitest-credinet -t streamable-http -u 'https://credinet-production.crediten-data-foundation.workers.dev/mcp'
```

### Other

```json
{
  "mcpServers": {
    "malonitest-credinet": {
      "type": "http",
      "url": "https://credinet-production.crediten-data-foundation.workers.dev/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-06 (score 84, +7)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-11-05 (score 77, +1)

- [security] Stability: 0.97 → pass

### 2026-11-04 (score 76, −1)

- [functional] Stability: pass → 0.97

### 2026-10-31 (score 77, +1)

- [security] Stability: 0.97 → pass

### 2026-10-29 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 90 to 93. That category is still filling its 30-day observation window: 27 days of observed history at the previous scan, 28 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-27 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 83 to 87. That category is still filling its 30-day observation window: 25 days of observed history at the previous scan, 26 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-25 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 77 to 80. That category is still filling its 30-day observation window: 23 days of observed history at the previous scan, 24 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-22 (score 73, +1)

No change was recorded against any check on this day. Stability & Change Management went from 67 to 70. That category is still filling its 30-day observation window: 20 days of observed history at the previous scan, 21 at this one. The score rises as the window fills, whether or not the server changes.

## MCP tools (4)

### `find_borrowing_products` (~147 tokens)

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.

Input parameters:

- `amount` (object)
- `applicant_role` (string)
- `borrower_count` (integer)
- `borrower_type` (string)
- `country` (string, required)
- `customer_relationship` (string)
- `execution_mode` (string): Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected.
- `offer_context` (string)
- `product_type` (string)
- `purpose` (string)
- `term` (object)

Output parameters:

- `contract_version` (string)
- `evidence_summary` (object)
- `limitations` (array)
- `request_normalization` (object)
- `result_state` (string)
- `results` (array)
- `tool` (string)

### `compare_borrowing_costs` (~86 tokens)

Use after product discovery to compare evidence-backed, scenario-bound borrowing costs for two or more returned products. Does not mix incompatible products or representative scenarios.

Input parameters:

- `context` (object)
- `execution_mode` (string): Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected.
- `product_ids` (array, required)
- `scenario` (object)

Output parameters:

- `contract_version` (string)
- `evidence_summary` (object)
- `limitations` (array)
- `request_normalization` (object)
- `result_state` (string)
- `results` (object)
- `tool` (string)

### `check_product_requirements` (~72 tokens)

Use when a user wants documented requirements checked for one returned product using supplied non-sensitive characteristics. Never predicts eligibility or approval.

Input parameters:

- `characteristics` (object, required)
- `execution_mode` (string): Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected.
- `product_id` (string, required)

Output parameters:

- `contract_version` (string)
- `evidence_summary` (object)
- `limitations` (array)
- `request_normalization` (object)
- `result_state` (string)
- `results`
- `tool` (string)

### `get_product_details` (~73 tokens)

Use when a user asks for evidence-backed facts, limitations, requirements, applicability, or commercial handoff details for one canonical product.

Input parameters:

- `context` (object)
- `execution_mode` (string): Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected.
- `product_id` (string, required)

Output parameters:

- `contract_version` (string)
- `evidence_summary` (object)
- `limitations` (array)
- `request_normalization` (object)
- `result_state` (string)
- `results`
- `tool` (string)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/malonitest-credinet/credinet-production#diagnostics

## Score history

- 2026-11-06: 84
- 2026-11-05: 77
- 2026-11-04: 76
- 2026-11-03: 77
- 2026-11-02: 77
- 2026-11-01: 77
- 2026-10-31: 77
- 2026-10-30: 76
- 2026-10-29: 76
- 2026-10-28: 75
- 2026-10-27: 75
- 2026-10-26: 74
- 2026-10-25: 74
- 2026-10-24: 73
- 2026-10-23: 73
- 2026-10-22: 73
- 2026-10-21: 72
- 2026-10-20: 72
- 2026-10-19: 71
- 2026-10-18: 71
- 2026-10-17: 70
- 2026-10-16: 70
- 2026-10-15: 69
- 2026-10-14: 69
- 2026-10-13: 68
- 2026-10-12: 68
- 2026-10-10: 67
- 2026-10-09: 66
- 2026-10-06: 65
- 2026-10-04: 64

## Common questions

### What is the Credinet MCP server?

Credinet is an MCP server listed in the public MCP registry as io.github.malonitest/credinet. Evidence-backed loan discovery preserving UNKNOWN and match states; never guarantees approval. This page covers its hosted endpoint (https://credinet-production.crediten-data-foundation.workers.dev/mcp).

### Is the Credinet MCP server safe to use?

Credinet scores 84 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Credinet MCP server expose?

Credinet exposes 4 tools: find_borrowing_products, compare_borrowing_costs, check_product_requirements, get_product_details. Their descriptions and schemas cost roughly 378 tokens of context every time the server is loaded.

### Does the Credinet MCP server require authentication?

No. We connected to Credinet without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Credinet MCP server still maintained?

Credinet is still listed as active in the MCP registry. We last reached this channel on 6 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What did VerifyMCP test on the Credinet MCP server?

VerifyMCP ran 12 checks on Credinet, covering TLS certificate, Authorization, HSTS header, DNSSEC and 8 more. One item could not be completed, a gap on our side rather than a finding about Credinet: HTTPS. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://credinet-production.crediten-data-foundation.workers.dev/mcp
- Authorisation metadata: https://credinet-production.crediten-data-foundation.workers.dev/.well-known/oauth-protected-resource/mcp
- Repository: https://github.com/malonitest/crediten
- Changelog RSS feed: https://verifymcp.io/servers/malonitest-credinet/credinet-production.xml
- Changelog JSON feed: https://verifymcp.io/servers/malonitest-credinet/credinet-production/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/malonitest-credinet/credinet-production.json
- HTML version of this page: https://verifymcp.io/servers/malonitest-credinet/credinet-production