In most parts of the global South interest rates are criminal. They range from 60% to over 365% a year, and in most cases, informal credits are a business of the mafia, so defaulting may result in a severe damage.

And although people pay these rates, their credit history is kept in silos, so no one knows that they are good payers.

Unlocking IRL reputation in web3 has the potential to break free billions of people from their local interest rates.

Our dApp will allow an user-frienly way to tokenize real life data to connect local businesses with international lenders, onboarding millions into DeFi.