I have over a million dollars in crypto, why is my score so low?

It's understandable that you may be surprised to see a low score for your wallet, especially if you have a significant amount of cryptocurrency in it. However, it's important to remember that the value of your holdings is just one factor among many that are used to determine your wallet's SMART Score. Depending on the scoring variant, having large holdings may have either a positive or negative impact on your score.

For example, a scoring variant that focuses on long-term holding patterns may reward wallets with large amounts of cryptocurrency that have been held for extended periods of time, while a scoring variant that focuses on short-term speculation may similarly reward wallets with large amounts of cryptocurrency that are frequently traded.

Additionally, it's important to understand that most scoring variants of SMART Score takes into account a variety of other on-chain activities beyond the value of your holdings.