Alexgoldpack

In crypto lending today, to borrow $100 you must lock up $150. You need to be rich to borrow. This is the only model that works because the system doesn't know who you are. In the real world, banks lend you more than you put down. Mortgages, credit cards, business loans. They can do this because they check your credit score, income, identity. Trust replaces collateral. Rialo brings this to crypto. Borrowers can verify credentials (credit score, banking, identity, repayment history) to reduce their collateral requirement, potentially below 100%. The difference: unlike every other project attempting this, Rialo verifies the data without anyone seeing it. Private by default, revealed only if you default. The global unsecured lending market is ~$4.7 trillion. On-chain lending is ~$56B, almost all over-collateralized. That gap is the opportunity. We built a demo tool to show how the opportunity might work. Toggle credentials, adjust loan size, watch collateral and rates update live. The more information you provide, the less you need to put down to take a loan. It just makes sense. Open the Pricing Engine at the bottom to see 6 different models for how this could work, including one designed for AI agent borrowers. Link below: