# Reputation
**1.What is reputation?**
Reputation is the point to present the assessment from the system to the service providers like Lending and Borrowing services in our platform.
**2. Why do we distinguish Borrower and Lender reputation?**
We distinguish reputation for Borrower and Lender in order to make it transparent and easier for user to look for appropriate partners for each business.
* When users desire to borrow, they can refer to the reputation activities associated with Lenders, which helps to make decision on choosing a Lender. Lender Reputation when selecting "All wallet" equals to total reputations of all wallets
* When users desire to lend someone, they can refer to the reputation activities associated with Borrowers , which helps to make decision on choosing a Borrower. Borrower reputation when selecting "All wallet" equals to average reputation from all wallets.
**3. How is the reputation calculated?**
When you start using our Defi for You and connect to a wallet, the default reputation is 0. Once there are any of following activities, you will get/deduct reputation
| No | Lender | Borrower | | | | |
| ------- | ----------------------------------------------------------- | -------- | ------- | --------------------------------------------------- | ------ | - |
| Actions | + or - | Points | Actions | + or - | Points | |
| 1 | Create package | + | 3 | Create Collateral | + | 3 |
| 2 | Cancel package | - | 3 | Cancel Collateral | - | 3 |
| 3 | Reopen package | + | 3 | Repay on time for each period (Penalty or Interest) | + | 1 |
| 4 | Create Contract
| + | 1 | Repay late on each period (Penalty or Interest) | - | 1 |
| 5 | Send Offer | + | 2 | Accept Offer | + | 1 |
| 6 | Cancel Offer | - | 2 | Terminate completed contract | + | 5 |
| 7 | | | | Terminate liquidated contract | - | 5 |
**4. Where can I view my reputation?**
It can be found in "User profile" for all wallets or every single one like below.
