ZAI
Mixed trust signals — meaningful risk factors detected. Peg Stability (90-day) above average. Collateral Quality above average.
Score Breakdown
How the TrustGrade algorithm computed this score.
Wilson Score Lower Bound
95% confidence interval lower bound on positive outcome rate. Penalizes small samples automatically.
Bayesian Posterior
Beta(α,β) posterior mean with sceptical prior. Adjusts observed rate toward conservative estimate.
Incident Penalty
Compound penalty: 1−(1−s)². 10% incidents → 19% penalty. 30% → 51%.
Volume Bonus
Log-credibility bonus: log₁₀(n)×k. More data = more confidence, diminishing returns.
Signal Contributions
Each signal's contribution to the final score. Positive = trust-building. Negative = risk-indicating.
| Signal | Value | Weight | Contribution | Visualization |
|---|---|---|---|---|
| Peg Stability (90-day) | 68.0% | ±9 | +3.24 | |
| Collateral Quality | 65.0% | ±8 | +2.40 | |
| Reserve Transparency | 60.0% | ±7 | +1.40 | |
| Depeg History | 60.0% | ±7 | +1.40 | |
| Redemption Mechanism | 55.0% | ±4 | +0.40 | |
| Regulatory & Legal Status | 50.0% | ±5 | +0.00 | |
| Market Cap Resilience | 55.0% | ±4 | +0.40 |
Why this grade?
Mixed trust signals — meaningful risk factors detected. Peg Stability (90-day) above average. Collateral Quality above average.
The TrustGrade algorithm combines the Wilson score lower bound (which requires substantial evidence to score high), a Bayesian posterior (which shrinks toward a conservative estimate when sample sizes are small), a compound incident penalty (which grows faster than linear), a log-credibility volume bonus, and 7 weighted optional signals specific to stablecoins.
Use this score
Query the TrustGrade API or embed a badge on your site.
API Query
curl -s https://api.trustgrade.ai/v1/score/stablecoin/ZAI \
-H "Authorization: Bearer $TRUSTGRADE_KEY" | jq .{
"entity": "ZAI",
"type": "stablecoin",
"score": 63,
"grade": "D+",
"confidence": 0.8158,
"summary": "Mixed trust signals — meaningful risk factors detected. Peg Stability (90-day) above average. Collateral Quality above average.",
"breakdown": {
"wilson": 0.7069,
"bayesian": 0.6961,
"incidentPenalty": 0.0975,
"volumeBonus": 5.2
},
"computedAt": "2026-07-20T08:13:01.254439.000Z"
}Embed Badge
<script src="https://trustgrade.ai/widget.js"></script>
<div data-trustgrade="stablecoin:ZAI" data-size="medium"></div>