The levels of safety that DeFi has maintained has required everyone to overcollateralise, meaning much capital is contained. Using $2 of collateral to borrow $1 isn't real leverage, it's just a hack. That's because protocols have no way of knowing who's most likely to repay. So far the only way to prove creditworthiness was doxing yourself. Web3 lacked a clean, private bridge to off-chain history. @primus_labs is bridging that gap with zkTLS on BNB Chain. Forge your own cryptographic proof of account longevity, regularity of payments, or your credentials within the entire website session you are already logged in. Just insert the proof into a smart contract. The contract checks the proof your numbers remain private. This opens up under-collateralized borrowing based on proven reality instead of pure collateral exposure. Risk models can now leverage actual standing without requiring a trade-off with anonymity. You should not have to give away your financial privacy to achieve capital efficiency. Math is beginning to replace blind trust.