BlockBeats 消息,2 月 26 日,据官方消息,DeFi 协议 ListaDAO 宣布推出 Lista Credit,称其为首个链上信用借贷系统,旨在为用户提供无需抵押的融资渠道。该产品允许用户根据现金流需求随时借款,尝试突破当前 DeFi 借贷主要依赖超额抵押的模式。
根据官方介绍,Lista Credit 采用代币激励机制支持还款,借款人可通过每日与每周的 LISTA 激励降低偿付成本,同时支持以稳定资产 U 进行借贷与偿还,以增强资金使用的灵活性。
ListaDAO 表示,此举标志着 DeFi 借贷模式正从「抵押驱动」向「信用驱动」探索转变。若该模式成功落地,或将为链上消费金融、运营融资及现金流管理场景打开新的应用空间。
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