Question 1

How does Zeru Finance work?

Accepted Answer

Zeru Finance operates as a decentralized credit infrastructure that enables zero-collateral loans by leveraging an innovative decentralized reputation system called zScore, which evaluates on-chain user behavior. Users build their zScore through responsible actions like lending, borrowing, and repaying, which in turn increases their borrowing capacity. The platform also employs a Protocol Controlled Value Reserve (PCVR) for risk mitigation and ecosystem stability.

Question 2

Is Zeru Finance a secure platform?

Accepted Answer

Zeru Finance ensures security through its fully on-chain architecture and the use of audited smart contracts to automate transactions. It integrates oracles like API3 and Chainlink to secure market data and employs decentralized mechanisms to minimize fraud and manipulation. Additionally, the PCVR acts as an insurance fund to protect against loan defaults, ensuring platform resilience.

Question 3

How to use Zeru Finance?

Accepted Answer

To use Zeru Finance, users first interact with the platform by depositing funds or borrowing assets, which helps build their zScore. They can then access zero-collateral loans or participate in DeFi strategies like liquidity provision or leveraged trading, all managed through an intuitive interface. Activities such as timely repayments and strategic participation further enhance the user's credit profile and benefits.

Question 4

What services does Zeru Finance offer?

Accepted Answer

Zeru Finance provides zero-collateral loans, an on-chain reputation scoring system (zScore), and integrated DeFi strategies like leveraged trading and liquidity provision. It also offers profit-sharing opportunities for lenders and a leaderboard system to reward active users within the ecosystem. These services are designed to promote financial inclusion while maximizing returns for participants.

Zeru Finance

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FAQ

How does Zeru Finance work?

Is Zeru Finance a secure platform?

How to use Zeru Finance?

What services does Zeru Finance offer?