zero-collateral and leveraged DeFi loans only work if default risk is actually managed
@zerufinance combines zScore credit scoring with a dedicated risk architecture:
Protocol Controlled Value Reserve (PCVR) acts as an on-chain insurance fund
zScore dynamically scales borrowing capacity and leverage up to 15x based on behavior
integrated with API3 oracle stack for reliable market data feeds
protects lender liquidity while allowing verified wallets to scale credit safely
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