1/ Tokenized assets are a solid start for DeFi lending.
But tokenized assets + verifiable credit behavior are the real breakthrough. đĄ
Tracking what you borrowed is standard.
Turning it into reputation history to facilitate better opportunities? Thatâs the real innovation. đ§©
2/ Hereâs the catch: most DeFi protocols track repayment, but only within their own walls. đ
It's like local IDs â accepted in one place but meaningless elsewhere.
3/ Creditcoin helps you build an on-chain credit reputation, a global visa to prove your creditworthiness wherever you go. đ
How do we achieve this?
Loans happen on chains like Bitcoin, Ethereum, or via stablecoins like USDC.
The repayment record is verified with transaction data and stored on the Creditcoin blockchain.
This becomes a public, portable credit history you actually own.
4/ Imagine a farmer in Nigeria who has repaid three different loans on different chains on time.
That behavior is now part of the farmer's on-chain identity and is visible, verifiable, and usable anywhere.
Trust is no longer confined to a single app. Itâs composable, like Lego blocks for credit 𧱠-- letting borrowers build trust across apps, chains, and borders.
5/ If DeFi lending is to scale, trust and borrower reputation have to scale with it.
How would you use a public, cross-chain credit layer?
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