Wallet Health Score

Overview

The Wallet Health Score analyzes your Bitcoin DeFi portfolio and assigns a 0-100 rating based on diversification, activity level, portfolio size, and asset allocation. Get instant feedback on what’s working and specific actions to improve your score.

Key Features

Instant Scoring

Real-time calculation based on wallet holdings and transaction history

Issue Detection

Identifies problems dragging your score down with impact points

Actionable Fixes

Specific recommendations to improve each issue

Strength Highlights

Shows what you’re doing right in your portfolio

Score Breakdown

Your health score (0-100) is calculated from five factors:

1. Active Funds (20 points)

Criteria: Wallet contains funds (totalUSD > 0)
Why it matters: Can’t participate in DeFi without capital

if (totalUSD > 0) {
  score += 20;
  wins.push('Wallet has active funds');
} else {
  issues.push({
    text: 'No funds detected in wallet',
    impact: -20,
    fix: 'Add STX or sBTC to start earning'
  });
}

2. sBTC Holdings (25 points)

Criteria: sbtcBalance > 0
Why it matters: sBTC unlocks higher yields than STX alone

if (parseFloat(sbtcBalance) > 0) {
  score += 25;
  wins.push('Holding sBTC — Bitcoin on Stacks');
} else {
  issues.push({
    text: 'No sBTC in wallet',
    impact: -15,
    fix: 'Bridge BTC to sBTC via Xverse for higher yields'
  });
}

3. Portfolio Size (20 points)

Criteria:

20 points: $1,000+ USD
10 points: $100-$ 999 USD
0 points: < $100 USD

Why it matters: Larger portfolios access better yields and absorb gas fees efficiently

if (totalUSD >= 1000) {
  score += 20;
  wins.push('Strong portfolio size');
} else if (totalUSD >= 100) {
  score += 10;
} else {
  issues.push({
    text: 'Small portfolio size',
    impact: -10,
    fix: 'Deposit more STX to access better yield tiers'
  });
}

4. Transaction Activity (15 points)

Criteria:

15 points: 10+ transactions
8 points: 3-9 transactions
0 points: < 3 transactions

Why it matters: Active participants understand DeFi risks and opportunities

if (txCount >= 10) {
  score += 15;
  wins.push('Active DeFi participant');
} else if (txCount >= 3) {
  score += 8;
} else {
  issues.push({
    text: 'Low transaction activity',
    impact: -10,
    fix: 'Interact with at least one Stacks DeFi protocol'
  });
}

5. Diversification (20 points)

Criteria: Holds both STX AND sBTC
Why it matters: Single-asset exposure = higher risk, diversification smooths volatility

const hasSTX = parseFloat(stxBalance) > 0;
const hasBTC = parseFloat(sbtcBalance) > 0;

if (hasSTX && hasBTC) {
  score += 20;
  wins.push('Diversified across STX and sBTC');
} else {
  issues.push({
    text: 'Single asset concentration',
    impact: -15,
    fix: 'Hold both STX and sBTC for better diversification'
  });
}

Score Interpretation

Excellent (80-100)

Your portfolio is in great shape!

Characteristics:

Diversified holdings (STX + sBTC)
Strong portfolio size ($1,000+)
Active DeFi participation (10+ txs)
Optimized for yield

Next steps: Maintain current strategy, consider advanced yield optimization

Good (60-79)

Room to grow — check recommendations

Characteristics:

Has funds and some activity
May lack diversification OR portfolio size
Active but not fully optimized

Next steps: Review issues list, add sBTC or increase position size

Fair (40-59)

Take action to improve your score

Characteristics:

Small portfolio or single asset
Limited transaction history
Missing key optimization opportunities

Next steps: Focus on top 2 issues, start with diversification

Needs Work (0-39)

Multiple issues detected

Characteristics:

Empty or near-empty wallet
No diversification
No DeFi activity

Next steps: Add funds, make first transaction, follow AI Copilot guidance

UI Components

Score Ring

Large circular progress indicator:

Ring color: Changes based on score (green/orange/red)
Animation: Smooth fill from 0 to actual score over 1 second
Label: Shows score category (Excellent/Good/Fair/Needs Work)
Glow effect: Drop shadow matches ring color

// SVG circle with strokeDasharray animation
const circumference = 2 * Math.PI * 54;
const filled = (score / 100) * circumference;

<circle
  cx="72" cy="72" r="54"
  stroke={color}
  strokeDasharray={`${filled} ${circumference}`}
  transform="rotate(-90 72 72)"
/>

Issues List

Red-tinted cards showing problems:

⚠️ Dragging Your Score Down

┌─────────────────────────────────────┐
│ No sBTC in wallet            -15pts │
│ 💡 Bridge BTC to sBTC via Xverse   │
│    for higher yields                │
├─────────────────────────────────────┤
│ Single asset concentration   -15pts │
│ 💡 Hold both STX and sBTC for      │
│    better diversification           │
└─────────────────────────────────────┘

Each issue card shows:

Bold problem statement - Red text
Impact points - How many points you’re losing
Fix recommendation - Specific action to take

Wins List

Green-tinted cards highlighting strengths:

Wallet Summary

✓ Wallet has active funds
✓ Strong portfolio size
✓ Active DeFi participant

Code Reference

Key implementation files:

Page: src/pages/HealthScore.jsx - Main UI and scoring logic
Hook: src/hooks/usePortfolio.js - Portfolio data fetching
Algorithm: src/pages/HealthScore.jsx:7-49 - calcHealthScore() function
Ring SVG: src/pages/HealthScore.jsx:51-102 - Animated score ring

Example Portfolios

Beginner (Score: 48 - Fair)

Portfolio:

STX: 500 ($130 USD)
sBTC: 0
Transactions: 2

Issues:

No sBTC (-15 pts)
Small portfolio size (-10 pts)
Low activity (-10 pts)
Single asset concentration (-15 pts)

Wins:

Wallet has active funds (+20 pts)

Recommendations:

Bridge $50 BTC to sBTC (+25 pts)
Make 2-3 more DeFi interactions (+8 pts)

Intermediate (Score: 73 - Good)

Portfolio:

STX: 5,000 ($1,300 USD)
sBTC: 0.02 ($1,360 USD)
Transactions: 8

Issues:

Low transaction activity (-7 pts)

Wins:

Wallet has active funds (+20 pts)
Holding sBTC (+25 pts)
Strong portfolio size (+20 pts)
Diversified (+20 pts)

Recommendations:

Complete 2 more transactions (+7 pts) → 80 score (Excellent)

Advanced (Score: 100 - Excellent)

Portfolio:

STX: 15,000 ($3,900 USD)
sBTC: 0.08 ($5,440 USD)
Transactions: 24

Issues: None Wins:

All criteria met
Fully optimized portfolio

Improving Your Score

Review Issues List

Focus on the top 1-2 issues with highest impact points. These will improve your score fastest.

Prioritize Quick Wins

Some fixes are easier than others:

Easiest: Add sBTC (if you have BTC)
Medium: Increase transaction count (use DeFi protocols)
Harder: Grow portfolio size (requires capital)

Use Other Tools

Staxiq’s other features help improve your score:

AI Copilot: Get strategy for diversification
Yield Calculator: Plan investments to reach $1,000+
Protocol Comparison: Find protocols to interact with

Re-check Score

Score updates in real-time as your portfolio changes. No manual refresh needed.

Advanced Analysis

Score Distribution

Typical score ranges for different user types:

User Type	Avg Score	Characteristics
New Users	20-40	Empty or minimal holdings
Casual	40-60	Single asset, some activity
Active	60-80	Diversified, regular transactions
Power Users	80-100	Optimized, high activity

Weight Justification

Why each factor matters for DeFi health:

sBTC (25%) - Highest weight because BTC on Stacks unlocks best yields
Active Funds (20%) - Can’t do DeFi without capital
Portfolio Size (20%) - Economies of scale for gas fees
Diversification (20%) - Risk management fundamentals
Activity (15%) - Experience indicator, lower weight as it’s not capital-dependent

Demo Mode

Demo health score shows realistic “Good” rating (73/100):

const DEMO_HEALTH = {
  score: 73,
  issues: [
    {
      text: 'Could increase transaction activity',
      impact: -7,
      fix: 'Try interacting with 2-3 more protocols'
    }
  ],
  wins: [
    'Wallet has active funds',
    'Holding sBTC — Bitcoin on Stacks',
    'Strong portfolio size',
    'Diversified across STX and sBTC'
  ]
};

Troubleshooting

Score seems too low:

Check if sBTC is showing in portfolio (worth 25 points)
Verify transaction history loaded (check Portfolio page)
Demo mode uses fixed score—connect real wallet

Score not updating:

Portfolio data refreshes every 30 seconds
Recent transactions may not appear immediately on-chain
Hard refresh page (Ctrl+Shift+R)

No recommendations shown:

Score = 100 (no issues to fix)
Check “Wallet Summary” section for your wins

Best Practices

Monthly Check-ins

Review health score monthly to track portfolio optimization progress

Fix Highest Impact

Start with issues showing -15 or -20 impact for fastest improvement

Balance Growth

Don’t chase 100 score—sometimes 80+ is optimal for your risk profile

Use AI Guidance

AI Copilot factors in health score issues when generating strategies

Next Steps

AI Copilot

Get personalized strategy to improve your health score

Portfolio Tracking

Monitor holdings as you implement recommendations

Get Started

Core Features

Guides

Protocols

​Overview

​Key Features

Instant Scoring

Issue Detection

Actionable Fixes

Strength Highlights

​Score Breakdown

​1. Active Funds (20 points)

​2. sBTC Holdings (25 points)

​3. Portfolio Size (20 points)

​4. Transaction Activity (15 points)

​5. Diversification (20 points)

​Score Interpretation

​Excellent (80-100)

Your portfolio is in great shape!

​Good (60-79)

Room to grow — check recommendations

​Fair (40-59)

Take action to improve your score

​Needs Work (0-39)

Multiple issues detected

​UI Components

​Score Ring

​Issues List

​Wins List

​Code Reference

​Example Portfolios

​Beginner (Score: 48 - Fair)

​Intermediate (Score: 73 - Good)

​Advanced (Score: 100 - Excellent)

​Improving Your Score

​Advanced Analysis

​Score Distribution

​Weight Justification

​Demo Mode

​Troubleshooting

​Best Practices

Monthly Check-ins

Fix Highest Impact

Balance Growth

Use AI Guidance

​Next Steps

AI Copilot

Portfolio Tracking

Build docs developers (and LLMs) love

Overview

Key Features

Score Breakdown

1. Active Funds (20 points)

2. sBTC Holdings (25 points)

3. Portfolio Size (20 points)

4. Transaction Activity (15 points)

5. Diversification (20 points)

Score Interpretation

Excellent (80-100)

Good (60-79)

Fair (40-59)

Needs Work (0-39)

UI Components

Score Ring

Issues List

Wins List

Code Reference

Example Portfolios

Beginner (Score: 48 - Fair)

Intermediate (Score: 73 - Good)

Advanced (Score: 100 - Excellent)

Improving Your Score

Advanced Analysis

Score Distribution

Weight Justification

Demo Mode

Troubleshooting

Best Practices

Next Steps