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
