credit protocol

Credit protocols are exploring on-chain credit scoring to reduce collateral requirements for verified borrowers.信贷协议正在探索链上信用评分，以降低对经过验证的借款人的抵押品要求。

Building reliable credit protocols in DeFi requires solving identity, reputation, and enforcement challenges not present in TradFi.在 DeFi 中构建可靠的信贷协议需要解决传统金融（TradFi）中不存在的身份、声誉和执行挑战。