BlockBeats News, February 26 — According to official sources, DeFi protocol ListaDAO announced the launch of Lista Credit, claiming it to be the first on-chain credit lending system designed to provide users with a non-collateralized financing channel. This product allows users to borrow at any time based on cash flow needs, attempting to break through the current DeFi lending model that mainly relies on over-collateralization.
According to official information, Lista Credit uses a token incentive mechanism to support repayments. Borrowers can reduce repayment costs through daily and weekly LISTA incentives, and it also supports borrowing and repaying with stable assets like USDT to enhance flexibility in fund usage.
ListaDAO stated that this move marks a shift in DeFi lending from a “collateral-driven” to a “credit-driven” exploration. If successfully implemented, it could open new application spaces for on-chain consumer finance, operational financing, and cash flow management scenarios.
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