The credit rating of digital assets helps pool owners and liquid providers to minimize liquidity risk. TRAVA.FINANCE divides digital assets into two categories: Tokens/coins and other digital assets (e.g., NFT, smart contracts, stoke tokens) and evaluates their credit scores. The credit score of a Token is assessed based on 4 parameters, i.e., (i) the token price, (ii) the market cap (MC) of the token, (iii) the token trading volume, and (iv) the number of transactions related to the token. High-credit-score tokens have a great advantage over low-credit-score tokens. Once being used as collaterals, they offer high loan-to-value ratios to borrowers; lenders also get favorable lending interest rates with their high-credit-score tokens. Users can improve their credit scores once they possess those high-valuable digital assets.