The New Architecture of Credit
summary
Claims that onchain credit can scale local lending by combining stablecoins with oracles, tokenized credit markets and smart contracts, and that credit is a >$300 trillion opportunity. Describes two products launched: an A app with a public waitlist to onramp bank funds, and Horizon, a market tokenizing traditional assets that already passes $500M TVL and targets $1B (the speaker promises to shave their head if reached). Mentions zk proofs, proof of reserves and tranching as risk tools.
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chapters (12)
- 0:00Welcome
- 1:12Credit as next DeFi wave
- 3:25Four pillars of trust
- 5:09Credit history roots
- 8:39Programmable credit on Ethereum
- 10:51DeFi’s global credit edge
- 13:00Onchain credit market impact
- 15:53Credit system inefficiencies
- 16:56Tokenizing real assets
- 19:27Bridging DeFi and real-world finance
- 20:10Summary
- 21:17Q&A
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