Unsecured lending has always been a major challenge in the DeFi world. Most protocols are forced to adopt over-collateralization models, resulting in low capital utilization and obvious pain points for institutional borrowers. Archblock (formerly TrueFi) decided to take a different approach—using on-chain credit scoring and community voting to approve loans. This innovative idea is indeed pioneering in the industry.

TRU is the governance and utility token of this protocol, with clear functions: participating in governance decisions, staking to earn a share of protocol revenues, and serving as a buffer for default risk. In terms of token liquidity, TRU's circulating supply has already reached 98.9% of the total supply (1.344 billion tokens), which means future unlocking selling pressure is basically not an issue, and the price suppression is limited.

From a technical and market positioning perspective, this project addresses real industry pain points. Moreover, the token’s value capture mechanism is considered clear and robust.

From a trading perspective, if you have expectations for this sector:

**Entry Range**: $0.0085 - $0.0120
**First Target**: $0.0155 (testing recent resistance level)
**Second Target**: $0.0240 (challenging mid-term high)
**Third Target**: $0.0450 (long-term optimistic scenario)
**Risk Management**: Cut losses if it falls below $0.0075

The unsecured lending sector is still in the exploration phase. Whether Archblock can maintain its first-mover advantage depends mainly on whether community governance and actual business growth can meet expectations.