2026-01-01 17:27:15

The ideal end game for onchain finance is straightforward: leverage your digital position as collateral to borrow funds, then deploy that credit directly into real-world use cases—all without ever liquidating your assets.

Veera is architecting exactly that vision.

The mechanism is elegant: your onchain activity gets quantified into a Financial Identity Score. This score becomes your passport in the DeFi ecosystem, unlocking borrowing capacity while your holdings remain intact. You earn, you borrow, you spend—the entire loop stays frictionless and on-chain.

It's the collateral lending model Web3 has been chasing.

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LightningPacketLoss

· 9h ago

It sounds like you can cash out without selling coins, but the question is how is this Financial Identity Score calculated, and could it be another black box?

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MEVHunterWang

· 13h ago

To be honest, this logic sounds good, but I haven't seen a lending protocol that can truly achieve 0 liquidation.

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RiddleMaster

· 13h ago

ngl isn't this what DeFi has always wanted to do? Finally, someone has paved the way.

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P2ENotWorking

· 13h ago

Huh? You can borrow money without liquidating assets? If that's really possible, I would go all in directly.

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RegenRestorer

· 13h ago

ngl this is exactly what DeFi has always wanted... using your holdings as collateral to borrow money directly, assets still in your hands, so satisfying

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DaoDeveloper

· 13h ago

honestly the financial identity score angle is interesting but... has anyone actually stress-tested this against sybil attacks? merkle proofs alone won't cut it here imo

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