Generate personal credit limits based on wallet history—this is a new approach in DeFi lending. No collateral required, borrow funds directly at an 8% APR, with the limit determined by your on-chain performance. The key point is that each successful repayment will enhance your future borrowing capacity. In other words, this is not about mining tokens, but about building a pathway to a $500,000 unsecured credit limit. Wallet accounts participating early are accumulating credit history and gradually unlocking higher financing ceilings.