Zeru Finance

Zeru is the full-stack credit infrastructure powered by onchain reputation and AI. Zeru aims to make decentralised finance [DeFi] more accessible by unlocking new opportunities for users. Today’s major DeFi lending protocols require users to lock in significant collateral before they can borrow, leading to under-utilisation of assets of up to 69%, which stifles the industry’s growth. But in traditional finance [TradFi], credit can be obtained even with zero collateral securing the loan. Zeru’s solution motivates these “pure borrowers” to move onchain without needing to expose themselves to the risks of centralised exchanges. Zeru users will experience democratised access to credit as part of a seamlessly integrated DeFi world.