> ## Documentation Index
> Fetch the complete documentation index at: https://docs.formo.so/llms.txt
> Use this file to discover all available pages before exploring further.

# Wallet labels

> Understand user interests and behavior with automatically generated wallet labels based on onchain activity, reputation, and user properties.

<Frame caption="Enrich user profiles with wallet labels.">
  <img src="https://mintcdn.com/formo/Qbe3dL6juMIXAS6y/images/wallet-intelligence-wallet-labels.png?fit=max&auto=format&n=Qbe3dL6juMIXAS6y&q=85&s=a4d1c136bd28c78eaaf6d5ce77fd70bc" alt="Wallet Labels" width="267" height="393" data-path="images/wallet-intelligence-wallet-labels.png" />
</Frame>

**Wallet Labels** annotate blockchain addresses with attributes like verification status, lifecycle stage, and reputation scores.

Use labels to build [segments](/features/wallet-intelligence/segments) that target users matching your Ideal Customer Profile (ICP).

## List of Labels

Each tracked user on Formo is assigned labels based on their onchain activity and other data.

### User lifecycle labels

Every wallet is assigned a lifecycle stage based on its recency and active days: **New**, **Returning**, **Power user**, **At Risk**, **Churned**, or **Resurrected**. See [User lifecycle](/features/wallet-intelligence/wallet-profiles#user-lifecycle) for the exact rules and thresholds.

### Attestations

| Label                                    | Description                                                                                                                                                                                                            |
| ---------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **OFAC Sanctioned**                      | OFAC-sanction status, sourced from Chainalysis's onchain sanctions oracle                                                                                                                                              |
| **Human Passport Unique Humanity Score** | [Human Passport score (0-100)](https://docs.passport.xyz/)                                                                                                                                                             |
| **Human Passport Aggregate Model Score** | [Aggregate unique humanity score for EVM wallets (0-100, or -1 if there's insufficient transaction history)](https://docs.passport.xyz/building-with-passport/models/available-models#aggregate-unique-humanity-model) |
| **Coinbase Verified Account**            | [Coinbase verified account attestations](https://www.coinbase.com/developer-platform/products/verifications)                                                                                                           |
| **Coinbase Verified Country**            | Coinbase verified country attestations with country code extraction                                                                                                                                                    |
| **Coinbase One**                         | Coinbase One subscription attestations                                                                                                                                                                                 |
| **Binance Verified**                     | Holds a [Binance Account Bound Token (BABT)](https://www.binance.com/en/babt), attesting the wallet completed Binance KYC                                                                                              |

### Sybil

Wallets that appear on published airdrop sybil / farmer lists. These are one-time historical snapshots from past airdrop investigations, so a wallet is labeled only if it was named in the original list.

| Label                 | Description                                                                                                                                             |
| --------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Sybil (LayerZero)** | Named in the [LayerZero airdrop sybil list](https://github.com/psrvere/layerzero-sybil-checker) as a suspected airdrop farmer                           |
| **Sybil (Hop)**       | Listed as a sybil attacker in the [Hop Protocol airdrop](https://github.com/hop-protocol/hop-airdrop/blob/master/src/data/eliminatedSybilAttackers.csv) |
| **Sybil (Optimism)**  | Removed from the [Optimism airdrop](https://community.optimism.io/citizens-house/airdrops/airdrop-1) for sybil activity                                 |

### Behavioural labels

Behavioural labels computed from a wallet's current onchain positions. Formo groups every protocol a wallet holds a position in into a category (lending, DEX, perps, staking, and so on) and applies one rule per label. Each label carries a value: the USD amount behind the label, which you can filter with `>`, `>=`, `<` and `<=`, or for the bridge and aggregator labels the names of the protocols the wallet used, which you can filter by protocol.

Rules that apply to every label below:

* Only positions from the wallet's latest profile snapshot count. A position the wallet has closed never lingers.
* Labels refresh daily and are removed automatically when the rule stops holding.
* An active wallet is re-profiled every 30 days.

| Label                      | Rule                                                                                                                                                                                                                                                  | Value                                            |
| -------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------ |
| **DeFi Lender**            | Supplies at least \$100 to lending markets such as Aave, Compound, Morpho or Spark. Collateral locked in a CDP does not count.                                                                                                                        | Supplied USD                                     |
| **DeFi Borrower**          | Owes at least \$100 across lending markets and CDPs such as Aave, Maker, Sky or Liquity.                                                                                                                                                              | Borrowed USD                                     |
| **Liquidity Provider**     | Holds at least \$100 in DEX liquidity positions on Uniswap, Curve, Aerodrome, PancakeSwap and similar.                                                                                                                                                | Position USD                                     |
| **Yield Farmer**           | Holds at least \$100 in vaults or yield aggregators such as Pendle, Beefy, Yearn or Morpho vault curators.                                                                                                                                            | Deposit USD                                      |
| **Staker**                 | Holds at least $100 in liquid staking, restaking or native chain staking (Lido, ether.fi, EigenLayer), or at least $100 of liquid staking tokens such as stETH, wstETH, rETH or weETH in the wallet.                                                  | Staked USD                                       |
| **Perp Trader**            | Holds at least \$100 of open margin or liquidity in a perpetuals venue such as Hyperliquid or GMX. Closed trades leave no position and are not counted.                                                                                               | Position USD                                     |
| **Options Trader**         | Holds at least \$100 in an onchain options venue.                                                                                                                                                                                                     | Position USD                                     |
| **Basis Trader**           | Holds at least \$100 in a delta-neutral dollar product such as Ethena.                                                                                                                                                                                | Deposit USD                                      |
| **RWA Holder**             | Holds at least \$100 in tokenised real-world assets: tokenised gold (PAXG, XAUt), treasury and cash notes (USDY, OUSG, BUIDL, Midas), tokenised stocks (xStocks, Backed), private credit pools (Maple, Goldfinch, Centrifuge), carbon or real estate. | Position USD                                     |
| **Bridge User**            | Has used a bridge or bridge aggregator such as Stargate, Across, Hop, LI.FI or Relay, detected from transaction history or a bridge liquidity position.                                                                                               | Bridges used, for example "Stargate, Across"     |
| **Aggregator User**        | Has swapped through a swap aggregator such as KyberSwap, 1inch, Paraswap, CoW, detected from transaction history.                                                                                                                                     | Aggregators used, for example "KyberSwap, 1inch" |
| **Prediction Market User** | Has a Polymarket account, or holds a position in another onchain prediction market.                                                                                                                                                                   | Open position USD                                |

### Others

| Label                 | Description                                                                                                                                                                                                                                                                                                                                                                                |
| --------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| **Merkl Campaigns**   | Tracks participation in [Merkl](https://merkl.xyz) incentive campaigns. Formo automatically detects campaign IDs from the Merkl API and stores them as a label on the wallet profile. You can filter users by campaign ID to measure the quality of users acquired through specific Merkl campaigns.                                                                                       |
| **ERC-8004 AI Agent** | Automatically detects wallets registered as AI agents via the [ERC-8004](https://erc8004.org) standard. Formo queries onchain registries across 11 chains to identify agent wallets (agent discovery runs via subgraph on 5 of them; the rest are used for RPC and reputation lookups once an agent is found) and surfaces the agent name, ID, and reputation score on the wallet profile. |

***

## How to use labels for targeting

This section covers using labels to identify and target specific user types.

### How labels work

Formo automatically analyzes each wallet's onchain activity and assigns relevant labels. Labels update as users' behavior changes. You can also add your own custom labels to a wallet for information Formo can't detect on its own.

**Label sources:**

* **Lifecycle** - Engagement stage derived from each wallet's recency and active days
* **Attestations** - Verified credentials from Coinbase, Binance, Human Passport, and OFAC sanction lists
* **Behavioural labels** - What the wallet currently does onchain: lending, borrowing, liquidity provision, staking, perps, options, basis trading, real-world assets, bridges, aggregators and prediction markets
* **Sybil lists** - Membership in published airdrop sybil / farmer lists (LayerZero, Hop, Optimism)
* **Campaigns** - Participation in incentive campaigns such as Merkl
* **Onchain registries** - Standards such as ERC-8004 that identify AI agent wallets
* **Custom** - Labels you add manually to a wallet's profile

### Step 1: View labels on a user profile

1. Go to **Users** and click any wallet address
2. Open the **Properties** tab
3. See all labels assigned to this user in the **User Labels** section

Auto-generated labels (lifecycle, attestations, campaigns, registries) are read-only. Click **+ Add Label** to add, edit, or remove a custom label. To filter users by label, use **Add Filter** (see Step 2 below).

### Step 2: Filter users by label

Use labels to find specific user types:

1. Go to **Users**
2. Click **Add Filter**
3. Select **Label** as the filter type
4. Choose the label(s) you want

**Example filters:**

| Goal                           | Label Filter                        |
| ------------------------------ | ----------------------------------- |
| Find power users               | Lifecycle = "Power user"            |
| Find verified humans           | Human Passport Score > 50           |
| Exclude sanctioned wallets     | Label != "OFAC Sanctioned"          |
| Find Coinbase users            | Label = "Coinbase Verified Account" |
| Find active lenders            | DeFi Lender >= 10,000               |
| Find leveraged users           | DeFi Borrower >= 1,000              |
| Find gold and treasury holders | RWA Holder >= 500                   |

### Step 3: Combine labels with other filters

Combine labels with other filters to narrow further:

**High-value DeFi users:**

| Filter    | Value                                   |
| --------- | --------------------------------------- |
| Apps      | Uniswap, Aave (or other DeFi protocols) |
| Net Worth | > \$50,000                              |
| Lifecycle | Power user                              |

**Verified users from campaigns:**

| Filter     | Value                     |
| ---------- | ------------------------- |
| Label      | Coinbase Verified Account |
| UTM Source | twitter                   |
| First Seen | Last 30 days              |

**At-risk whales:**

| Filter    | Value       |
| --------- | ----------- |
| Net Worth | > \$100,000 |
| Lifecycle | At Risk     |

### Step 4: Save as a segment

Turn useful label combinations into reusable segments:

1. Apply your label + other filters
2. Click **Save Segment**
3. Name it descriptively (e.g., "Verified DeFi Whales")
4. Use the segment for analysis, exports, or alerts

### Common targeting strategies

**Identify your ICP (Ideal Customer Profile):**

1. Look at your best users (highest volume, most active)
2. Check which labels they share
3. Create a segment with those labels
4. Use it to find similar users

**Compliance filtering:**

1. Filter by Label != "OFAC Sanctioned"
2. Add Human Passport Score > 20 for sybil resistance
3. Export clean lists for marketing or rewards

**Quality scoring:**

1. Combine multiple positive labels (Power user + Coinbase Verified Account + Human Passport Score > 50)
2. Users matching more labels = higher quality
3. Prioritize multi-label users for outreach

**Competitive targeting:**

1. Use Apps filter to find users of competitor protocols
2. Combine with labels showing high engagement
3. Target these users with differentiated messaging

### Label-based alerting

Set up alerts based on labels:

1. Go to **Settings** > **Alerts**
2. Create a **User** alert
3. Add filters: Lifecycle = "Power user" AND net\_worth\_usd > 100000, or Labels = your target label
4. Get notified within 5 minutes when a wallet matching those filters becomes active