On-chain data is evolving into both invisible infrastructure and portable user-owned identity and reputation, redefining how trust is built in Web3.
As assets and identities move on-chain, product design flips from platform-controlled ecosystems to user-centric, composable applications that integrate around the individual.
The next breakthrough lies in converting raw blockchain activity into interpretable signals through behavioral scoring, AI-driven analytics, and standardized identity frameworks.
THE NARRATIVE OF ONCHAIN DATA: INFRASTRUCTURE OR USER-OWNED ASSET
At a recent AMA hosted by CoinRank, the moderator opened with a foundational question that set the tone for the entire conversation: in the future internet, will onchain data behave more like invisible infrastructure, or will it become a user-owned digital asset that people can hold, use, and carry across applications?
That framing immediately resonated with the audience because it captured the dual nature of onchain data today. BonaVee from MIRO Pay described this duality as a spectrum. On one end, onchain data is becoming the silent backbone of the internet, functioning much like servers and network protocols that operate beneath the surface. Applications will plug into verifiable information the same way they call APIs now, and most users will never notice what changed behind the scenes. On the other end, data starts to look like personal property. Identity, reputation, transaction history, and credentials no longer remain trapped inside platforms. Instead, they live onchain in portable formats that users can take with them anywhere.
Nicholas from WebKey echoed this evolution, noting that onchain data is not simply analytics; it is the foundation of identity, ownership, and trust in Web3. Wallet behavior, device activity, and DePIN usage form a user footprint that is genuinely under individual control. The shift is subtle but meaningful: data stops being something platforms take, and becomes something users use.
Taken together, these opening viewpoints painted a clear picture of the tension shaping the future of the internet—data as infrastructure versus data as asset—and how Web3 is pushing both forward at the same time.
WHEN ASSETS AND IDENTITY MOVE ONCHAIN: A NEW PRODUCT PARADIGM EMERGES
As the panel moved to the second topic, the conversation turned to the impact of onchain assets and identities on product design. Roxy from HashWhale emphasized composability as the first major shift. With identity, credit, and payments already onchain, developers no longer need to rebuild these components from scratch. They can integrate existing modules directly, unlocking enterprise-grade use cases and dramatically simplifying product architecture.
For institutions, this change is especially significant. Onchain identity can reduce KYC onboarding costs, enhance fraud detection, and support automated credit assessment and compliance. A verifiable and auditable identity layer becomes the foundation for serious institutional adoption.
Tony from Credit Link argued that the Web3 product stack is flipping from platform-controlled to user-controlled. Users own their data and assets directly, while applications connect around them. Identities and portfolios move seamlessly between services, creating smoother and more personalized experiences.
Sai from 21DAO added a user experience perspective. As Web3 becomes increasingly dApp-driven, competition will center on the user interface rather than the underlying mechanics. For 21DAO, this means building a task-and-reward experience that feels natural and enjoyable. Future products, he said, must prioritize user-centric design and simplicity instead of focusing solely on technical sophistication.
These insights underscored a broader trend: once assets and identities live onchain, product design is no longer about building walled gardens—it becomes about interoperable experiences built around the user.
TURNING RAW BEHAVIOR INTO CREDIT: HOW CREDIT LINK BUILDS TRUST
The AMA then shifted to a deeper segment focused on Credit Link. Tony explained how the team defines high-value data—not by quantity, but by clarity and reliability. Instead of collecting every possible data point, they focus on information directly tied to economic behavior: transaction history, liquidity management, collateral efficiency, and long-term participation patterns. High-value data is any information that helps define trust and risk more accurately.
Credit Link transforms this data using a behavioral credit model that continuously analyzes real-time onchain performance. Rather than scoring static snapshots, the platform generates dynamic credit scores that can be used across lending, trading, staking, and other financial scenarios. Protocols gain better decision-making tools, and users unlock opportunities based on proven character instead of speculation.
Tony also highlighted accessible features on the Credit Link site. Anyone can paste a token contract or wallet address to check safety profiles or credit scores—no wallet connection required and free to use. Projects and institutions can access batch analytics to filter airdrops, remove sybil wallets, assess ecosystem risks, or study macro behavior patterns. The message was simple: usable credit begins with interpretable onchain behavior.
THE NEXT BREAKTHROUGH: FROM RAW LOGS TO INTERPRETABLE SIGNALS
When discussing the next major breakthrough for onchain data, the panelists converged on one theme: interpretation. Bobby from Dipcoin compared the current state of onchain data to the internet before search engines. The data exists—it just isn’t organized into meaningful signals yet. Once identity, reputation, predictive analytics, and behavioral insights become mature, entirely new applications will emerge.
Dipcoin’s approach is to surface trader insights directly within the trading interface, supported by confidence metrics and real-time risk flags powered by onchain data. When complex patterns become readable guidance, the usefulness of onchain data multiplies.
Roxy from HashWhale pointed to AI and onchain credit as the next large vectors. AI trained on verifiable data can detect fraud, identify abnormal activity, and generate risk scores far beyond human capability. Combined with transparent onchain credit systems, this sets the stage for new products in borrowing, insurance, and premium access.
Nicholas from WebKey emphasized usability in real-world scenarios. The breakthrough won’t be just more data—it will be better integration. Once onchain information can reliably power DeFi credit, reputation systems, and even traditional financial products, adoption will accelerate rapidly. Their team is working on secure hardware and DID binding to anchor onchain identity to real users rather than anonymous wallets.
Tony added that standardized frameworks will be essential. Fragmented data must be mapped into credit models accepted across protocols. When identity and reputation become measurable, the market can transition from speculation-driven cycles to utility-driven growth.
BUILDING THE ECOSYSTEM: CREDIT LINK’S EXPANDING INTEGRATIONS
Tony also shared updates on Credit Link’s ecosystem expansion. The team integrated with AAI to provide token risk analytics directly inside a DEX trading environment. They are collaborating with Astar and ListDao to improve DeFi risk management and deliver stronger data support for ecosystem partners.
One notable example is the CDL vault on ListDao, where users can deposit assets such as Bitcoin, USDT, and Astar to earn yield and unlock utility. This includes borrowing CDL or joining incentive campaigns, creating real demand and circulating use cases within a mature DeFi ecosystem.
Beyond these specific collaborations, Credit Link is actively pursuing integrations across DeFi protocols, DEXs, social platforms, and analytics infrastructure. Their long-term goal is straightforward: onchain credit should be usable everywhere, not confined to a single application.
CHALLENGES AHEAD: DATA QUALITY, PRIVACY, AND INTEROPERABILITY
To close the panel, the speakers outlined the challenges that stand between the current state of onchain data and its full potential. Noise and low-quality data remain major obstacles; bots, airdrop farmers, and non-organic behavior distort reality. Verification and sybil resistance are equally pressing. Sai from 21DAO highlighted how reward platforms struggle when one user controls dozens of wallets, leading them to adopt proof-of-action systems instead of raw activity counts.
Privacy versus transparency remains another delicate balance. Users want control—not exposure—so privacy-preserving computation will be necessary for meaningful adoption. Standardization and interoperability pose additional difficulties, as every chain and application stores data in incompatible formats.
User experience may be the biggest barrier of all. For everyday users, interfaces resembling spreadsheets offer little clarity. Dashboards must evolve to provide guidance, not just information.
Despite these challenges, the conversation carried a sense of momentum. Hardware-level DID from WebKey, behavioral scoring from Credit Link, proof-of-action verification from 21DAO, and real-time insights from Dipcoin all push toward the same goal: turning messy onchain logs into something real users and real products can trust.
CLOSING THOUGHTS: THE FOUNDATION OF A NEW DATA ECONOMY
The AMA concluded without a single definitive answer—but it didn’t need one. The discussion itself made one thing clear: onchain data infrastructure is no longer a niche technical topic. It is becoming a central layer of Web3, reshaping how trust, identity, and financial opportunity are created online.
Participants were encouraged to follow CoinRank, Credit Link, and all guest projects on X for more updates. Projects interested in joining future AMAs were invited to reach out and share their perspectives.
Whether adoption proves gradual or rapid, onchain data is emerging as one of the defining architectures of the digital economy, bridging users, applications, and ecosystems through a foundation of verifiable, portable, and user-owned information.
〈CoinRank AMA: On-Chain Data Infra Value Discovery〉這篇文章最早發佈於《CoinRank》。
