ListaDAO has launched Lista Credit, a pioneering on-chain credit lending system that offers collateral-free financing options. This DeFi protocol allows borrowers to access funds based on cash flow needs rather than traditional over-collateralization. Lista Credit employs a token incentive mechanism to support repayments, enabling borrowers to lower costs through LISTA incentives. The system supports borrowing and repaying with the stable asset U, providing greater flexibility in fund usage.
Lista Credit represents a shift from collateral-driven to credit-driven DeFi lending, potentially expanding applications in consumer finance, operational financing, and cash flow management. By aligning incentives and enabling on-chain settlements, Lista Credit signals a broader move toward credit-based DeFi lending models that could unlock new use cases across finance and business operations.
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