Mejorar algoritmo de scoring

[Kalebtron1]

Why this matters

The scoring model should make credit decisions more reliable and less sensitive to edge cases.

Problem

The current formula can be too sensitive to recent spikes or unusual balance patterns.

Scope

• Adjust the scoring logic and keep the formula readable.
• Document the expected score behavior for the affected cases.
• Add regression coverage for the edge cases that motivated the change.

Implementation guidance

• Work in api/calculate-score.js and api/evaluate-and-mint.js.
• Keep the formula readable enough for future contributors to reason about.
• Document the score inputs that matter most for the updated logic.

Out of scope

• Rebuilding the entire credit system.
• Changing the wallet or minting flow unless it is required for the score fix.

Acceptance criteria

• PR includes the scoring change plus tests or reproducible validation steps.
• Reviewer can reproduce the same input and observe the changed score.
• The PR description states how the new result should be reviewed.

Validation

• Run npm run dev and reproduce the scoring input.
• Run npm run build to verify the app still compiles.
• Confirm the updated score path matches the documented expectation.

PR requirements

• Include Closes #42.
• Describe the before/after scoring behavior.
• Mention any test data used to verify the fix.

Complexity

• High (150 points)

[daree-dev]

@daree-dev has applied to work on this issue as part of the Stellar Wave Program's 5th wave.

Would like to work on this issue

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Congratulations, @daree-dev! 🎉 Your application was accepted by the repo's maintainers, and the issue is due on June 2, 2026.

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This issue has been completed by @daree-dev as part of the Stellar Wave Program's 5th Wave 🥳

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