If crypto lending only revolves around on-chain collateral, then credit is still missing half its foundation. @primus_labs highlights a key insight: bringing off-chain data onto the chain in a verifiable way, without exposing complete personal data. ☆ Transaction history ☆ Financial records ☆ Qualification credentials ☆ Exchange activity These factors all influence creditworthiness, yet most are not on the blockchain. Primus Labs uses zkTLS to prove the authenticity of data from Web2/APIs. In simple terms, it allows verification of data origin without revealing its full content. This opens the door to privacy-preserving credit: protocols like ZKredit can assess trustworthiness using proofs, while keeping sensitive data private. This narrative isn’t easy. But credit is a fundamental primitive. If on-chain credit is truly solved, crypto lending won’t be limited to overcollateralized loans. Do you think on-chain credit is still too early—or is this the essential missing piece for the next wave?