The integration of artificial intelligence and blockchain technology is creating new development opportunities, but the issue of capital efficiency remains a major obstacle to the expansion of this ecosystem. Traditional blockchain lending models rely on high collateral, typically requiring a collateralization ratio of over 150%, which leads to a significant amount of funds being idle. At the same time, developers and users in the AI ecosystem face enormous funding needs, whether for purchasing data, deploying models, or accessing AI services, all of which require substantial financial support. However, the excessively high collateral threshold deters many potential participants.

To solve this problem, OpenLedger launched a revolutionary "cross-chain lending infrastructure" in July 2025. This innovative platform successfully breaks through the limitations of traditional lending models by introducing two core technologies: "Local LedgerHubs" (local balance tracking) and "GlobalLedger" (global risk aggregation), significantly enhancing the efficiency of capital utilization. This groundbreaking development injects unprecedented liquidity into the AI ecosystem, marking a significant transformation in the field of blockchain finance.

The main challenge faced by traditional cross-chain lending is the difficulty of risk assessment. Since assets are independently stored across different blockchain networks and their values fluctuate variably, lending platforms find it hard to accurately assess the real-time value of cross-chain assets. This leads platforms to adopt an over-collateralization strategy to reduce potential bad debt risks. For example, if a user wishes to use ETH on the Ethereum network as collateral to borrow OPEN tokens in the OpenLedger ecosystem, traditional platforms may require the user to collateralize ETH worth 1.5 times the loan amount. Worse still, this type of lending often uses fixed limits and cannot be dynamically adjusted based on the real-time value of the assets.

This rigid lending model not only occupies a large amount of user funds but also severely restricts the flexible use of capital, forming a stark contrast to the AI ecosystem's demand for "high-frequency, flexible" usage of funds. OpenLedger's innovative solution not only breaks this limitation but also opens up new possibilities for the development of the entire AI and blockchain integration ecosystem, promising to propel this field into a new era of more efficient and flexible capital utilization.