Most DeFi lending today requires full collateral, unlike traditional credit markets. What if an onchain marketplace enabled undercollateralized loans?

Borrowers could link identity or financial data, lenders could extend credit lines, and pools could spread risk across tranches.

Ephemeral Rollups could process private credit data safely, generating onchain credit scores without exposing sensitive details. If built, this could open a trillion-dollar opportunity by bringing real credit markets to DeFi.