⛓ On-chain reputation, version 1

Borrow against your reputation, not just your collateral.

A pool-based lending protocol where every wallet has a credit score derived from on-chain history. Prime borrowers unlock up to 1.5× collateral factor and pay less interest. High-risk wallets get tighter limits and steeper rates.

Reputation-weighted limits

effectiveLimit = collateral × CF × repMultiplier. Tiers from 0.5× to 1.5×.

Dynamic interest rates

APR = base + utilisation risk − reputation discount. Earn trust, pay less.

Open pool, single market

Supply IOPN, deposit IOPN collateral, borrow against it. Liquidations keep it solvent.