@bogdanovs
DeFi lending protocols are entering a new phase, moving away from overcollateralization towards undercollateralized and reputation-based lending. This model, powered by on-chain identity and credit scoring, could unlock massive growth by mirroring traditional financial systems. However, it introduces higher default risks. The projects that balance innovation with risk management will shape the next generation of decentralized credit markets.
0 reply
0 recast
0 reaction