Borrow up to $3,000 against your reputation, not your collateral.
The problem
DeFi has only ever solved one kind of loan: the overcollateralized kind. To borrow $3,000 you first have to lock up more than $3,000. Real credit runs on trust, and onchain there has been no cheap way to underwrite it.
The approach
Credifi reads your Ethos Credibility Score and turns it into a credit line. Clear 1800+ and you can draw up to $3,000 unsecured: no collateral to post, no position to liquidate, no KYC to pass.
The reaction
Credifi announced the integration on August 27, 2026. A day later the founder of Base summed it up in four words.
“onchain native undercollateralized credit”
jesse.base.eth2146Jesse Pollak, founder of BaseFigures from X as of October 1, 2026. See the announcement
The result
Nearly a month after unsecured credit went live on Credifi, the team reported zero credit defaults across its initial lending cohort. Every loan was unsecured and every borrower was anonymous. The only thing underwriting them was an Ethos Credibility Score.
Some borrowers even posted on X that they would not pay it back. They paid anyway.
“Everyone told us unsecured lending to anons would never work. One month in, the first cohort has zero defaults. Reputation turned out to be collateral people actually protect.”
mod3231282Co-founder of CredifiCredifi, October 5, 2026. See the update
Why reputation works as collateral
An Ethos score of 1800+ reflects real reviews, ETH other people have staked on you through vouches, and Human Verification, none of which is cheap to manufacture. Default and you burn the one asset you cannot quickly rebuild, your onchain reputation. The first cohort bore that out: zero defaults to date.
How it compares
| DeFi loan | Bank or card | Credifi + Ethos | |
|---|---|---|---|
| Collateral required | Over 100% | Sometimes | None |
| KYC required | No | Yes | No |
| Liquidation risk | Yes | No | None |
| Underwritten by | Your deposit | Credit bureau | Your reputation + onchain history |
| Speed | Instant | Days | Instant |
You put up your reputation, not your assets. Repaying is how you keep it.
How you could use this
Any lending protocol can underwrite trust the same way.
Turn reputation into credit.
Exclusive Access gates your offer by onchain credibility, so it reaches the wallets worth lending to. Free to run, no API key required.