We introduced the credit rating system to the DeFi system for the first time. This will increase the utilization rate of funds and rise the leverage ratio of participants in the DeFi system to increase their productivity. Previous DeFi loans required over-collateralization, and the liquidation system would be triggered to ensure the repayment of debts after the assets fell. After the introduction of the credit rating system,users can achieve the same amount of loans without over-collateral, and they can also achieve balance loans through the guarantee by others. Different from other DeFi, users need to specify the duration of the loan and repay on time, otherwise it will affect the their credit in the FP system.
