DeFi lending requires over-collateralization, and many assume this is due to conservative risk management. I think it’s simply a lack of data. Smart contracts see your wallet and see the wallet next door—they look exactly the same. They don’t know how long this account has been active, whether it has a stable transaction history, or what the balance level is—because all that data resides on exchanges and isn’t accessible on-chain. Earlier this year in March, @primus_labs and @brevis_zk, in collaboration with BNB Chain, launched ZKredit to address exactly this gap. zkTLS proves that “this data truly comes from the source it claims to be from,” while Brevis’s zkVM performs computations on encrypted data, ultimately returning just one conclusion to the protocol: this user’s account has been active for three years, with stable activity and a balance above threshold. No specific numbers are revealed. Thus, its ultimate goal isn’t a better risk model—it’s enabling collateral ratios to be tied to creditworthiness for the first time. Previously, credit could only be self-attested—and self-attestation is equivalent to having no credit at all.