The DeFi Credit Scores (and other on-chain scores) are combined into Merkle Trees, with its Merkle root (i.e. the root of all combined trees) being published on every blockchain we support. This process occurs every Epoch, which is currently set at a 24 hour window. To save on resources and processing time, subsets of scores are combined into smaller Merkle Trees, so as to be created in parallel. Then, the roots of each tree are combined into another Merkle Tree, and the process is repeated. The final Merkle Tree thus contains all the Credit Scores and are verifiable against the final Merkle Tree’s root deployed on each respective blockchain. All roots on each blockchain are equivalent at each epoch. This also means Credit Scores are chain agnostic (i.e. same score on each blockchain).