[ghthor]

The protocol doesn't have a credit score. That's a concept better suited for the application layer built on top.

[cortesoft]

Right, which was why my point was that the collateral is probably going to be at least equal in value to whatever is borrowed.

[bpforster24]

Dharma Protocol doesn't require that the value of collateral be greater than the principal of the loan, but we do expect the market will demand full- or over-collateralization.