developers

On-Chain Credit & Under-Collateralized Loans

Enable under-collateralized loans by reading a borrower’s Trust Score directly from Solidity. Higher reputation, lower collateral requirement.

The problem

DeFi lending is 100% over-collateralized because there is no on-chain credit. Real-world credit systems require PII; DeFi refuses that trade.

How TrustLayer solves it

TrustLayer publishes a portable, tamper-proof Trust Score any lending contract can read. Higher scores unlock lower collateral ratios — no KYC, no PII.

Key benefits

  • Under-collateralized loans for high-reputation borrowers
  • Zero PII — reputation is math, not documents
  • Composable — plug into Aave, Morpho, and custom lenders

Frequently asked questions