# Intro to credentials ### What is a credential? A credential is a piece of user-related data that provides information about them. Credentials are private to the user; while you can freely add new credentials to any user, you cannot view credentials created by others. Credentials are stored in the user’s **private vault**, encrypted**, secured, and fully owned by the user.** \ As an app or AI agent, you can [define your own credential scheme](/user-credentials/define-and-add-new-credentials.md), [assign credentials to users](/user-credentials/define-and-add-new-credentials.md#add-a-credential-to-a-user), and retrieve them as needed. However, to assess a user’s fit for a specific segment based on their credentials, you must calculate the fit score using the [dedicated API endpoint](/user-credentials/compute-user-fit-score.md). --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.moojo.id/user-credentials/intro-to-credentials.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.