your wallet history shouldn’t lose its value just because you move to a new protocol. a user might spend months lending, trading, providing liquidity, and participating in defi, yet still look like a completely new wallet when they try another application. that creates a gap between what a user has actually done onchain and what a new protocol can understand about them. @zerufinance is working on this through its zScore API and portable onchain reputation. instead of relying only on activity within one platform, applications could use a broader behavioral signal to inform lending eligibility, access decisions or incentive distribution. of course, reputation alone can’t replace collateral or a protocol’s own risk checks. but if onchain history can become useful across different applications, users may no longer need to build their reputation from zero every time they move through defi. that’s where portable reputation starts to get interesting.