One of the hottest topics in cryptocurrency right now is the potential ability for distributed ledger technology to transform the borrow and lending activities in traditional banking. This helps banks solve two major issues: application of legal actions and liquidity.
But “on-chain” technology could solve another essential, but less recognized, problem: credit. In theory all the information is right in front of you on the blockchain, but the utopian world and the real world are two different things.
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