ListaDAO is launching the on-chain credit lending system Lista Credit, focusing on unsecured loans

BlockBeats News, February 26th, according to official sources, DeFi protocol ListaDAO announced the launch of Lista Credit, calling it the first on-chain credit lending system designed to provide users with uncollateralized financing. The product allows users to borrow at any time based on their cash flow needs, attempting to break through the current DeFi lending model that relies primarily on overcollateralization.

According to the official introduction, Lista Credit uses a token incentive mechanism to support repayment, allowing borrowers to reduce their cost of repayment through daily and weekly LISTA incentives, while also supporting borrowing and repayment using the stable asset U to enhance fund utilization flexibility.

ListaDAO stated that this move signifies that the DeFi lending model is transitioning from being "collateral-driven" to "credit-driven." If this model is successfully implemented, it may open up new applications in on-chain consumer finance, operational financing, and cash flow management scenarios.