Recently, the #SEI ecosystem has attracted a lot of attention, with the core being its lending project $CLO (@YeiFinance), which has surged by 4.5 times in just a few weeks, becoming a focal point. If you missed out on $CLO, you should definitely take a look at @TakaraLend, as it has not yet launched a token and has huge airdrop potential. It is currently the largest native lending protocol in the #SEI ecosystem. 🧐 However, its goals go far beyond just being a lending protocol. Many people think Takara is just a SEI version of #Aave or Compound, used for depositing, borrowing, and earning interest. But in fact, this is not the case. Its whitepaper clearly states that its goal is not just to create liquidity pools, but to build a "programmable credit layer." To give a simple real-world example, Visa is not a bank, but it can decide whether you can swipe your card and how much you can spend. What Takara aims to do is to become a "credit scoring system" in the crypto world. How much you've borrowed, how punctually you've repaid, and how frequently you've interacted will all be recorded. In the future, this may directly determine whether you can enjoy services like no-deposit payments, buy now pay later, or even receive credit lines in certain payment scenarios. As a simple and user-friendly lending platform, Takara currently offers a 9% annualized yield on stablecoins and also provides $SEI rewards. In terms of TVL data, Takara Lend is currently ranked first on the #SEI platform, with TVL reaching up to $88 million, and its average daily active users remain stable at over 6,000, ranking second among global lending protocols, just behind Aave (see figures 1 and 2). The airdrop strategy is very simple: 1. Go to the Takara Lend application. 2. Deposit or borrow to start earning points. Overall, Takara is still in its early stages and has not yet launched a token. Its points system is already live, and it is currently in a niche and not crowded state. You can participate appropriately, but please do your own research (DYOR). 🧐