Latest / The Cryptocurrency Economy with Fexingo: Bitcoin, Ethereum, and Digital Money Markets
On-Chain Reputation Is the Next Credit Score
In this episode, Lucas and Luna explore the rise of on-chain reputation systems — decentralized credit scores built from wallet history, DeFi borrowing patterns, and collateralization ratios. With Bitcoin at 76,890 and Fed rates flat at 3.64%, they ask: Could a proven repayment record on-chain replace FICO scores for millions of unbanked borrowers? Luna shares how a friend in Nairobi used a small USDC loan to build a credit history that unlocked a larger business loan — all without a bank account. Lucas breaks down the mechanics of protocols like EthicHub and CrediScore, and why this matters…
The skinny
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