Right now in DeFi if you want to borrow $100 you have to lock up $150


Bro you need to be rich to borrow money
That makes no sense
In real life banks lend you money based on your credit score
@RialoHQ is building this for crypto
Verify your identity on-chain → borrow with less collateral
Under-collateralized lending on a blockchain
Most of you don't even know this is being built right now
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