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    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