undercollateralized

Undercollateralized lending is riskier but can serve users who cannot provide sufficient collateral.欠抵押借贷风险更高，但可以服务于无法提供充足抵押品的用户。

Protocols offering undercollateralized loans rely on off-chain credit scoring or social accountability.提供欠抵押贷款的协议依赖于链下信用评分或社交问责制。