I think this is a realistic approach to the problem of lending in crypto. If @RialoHQ creates a product so that we can demonstrate our reputation and reduce the collateral percentage, this will be a great breakthrough in the industry.
In crypto lending today, to borrow $100 you must lock up $150. You need to be rich to borrow. This is the only model that works because the system doesn't know who you are.
In the real world, banks lend you more than you put down. Mortgages, credit cards, business loans. They can do this because they check your credit score, income, identity. Trust replaces collateral.
Rialo brings this to crypto. Borrowers can verify credentials (credit score, banking, identity, repayment history) to reduce their collateral requirement, potentially below 100%. The difference: unlike every other project attempting this, Rialo verifies the data without anyone seeing it. Private by default, revealed only if you default.
The global unsecured lending market is ~$4.7 trillion. On-chain lending is ~$56B, almost all over-collateralized. That gap is the opportunity.
We built a demo tool to show how the opportunity might work.
Toggle credentials, adjust loan size, watch collateral and rates update live.
The more information you provide, the less you need to put down to take a loan. It just makes sense.
Open the Pricing Engine at the bottom to see 6 different models for how this could work, including one designed for AI agent borrowers.
Link below:
Always a new and fresh approach from @RialoHQ
That is changing: newer lending systems, including those used by @SoFi and @CashApp, use signals ranging from education and employment history to cash flow and platform-specific behavior to make those decisions.
What is the main goal of the @RialoHQ project!?
Blockchain transactions are confined to a synchronous execution trap: they must complete entirely within the constraints of a single block, as the network lacks the capability to pause or wait for dependencies existing outside that immediate state. This forces developers to rely on a clunky stack of oracles, relays, and keeper networks just to fetch external data or trigger multi-step workflows.
Async Transactions Explained⏬⏬⏬
Rialo enables transactions that pause for off-chain operations and automatically resume with results. No external infrastructure, no relays, no bots — just native async execution using the AFTER wait until pattern.
Rialo Approach vs Traditional
See how Rialo simplifies cross-chain and off-chain operations compared to traditional blockchain architectures.⏬⏬⏬
https://t.co/Qp3Co02oxu
We are looking forward to the product from @RialoHQ , I think it will be something new with a greater understanding of the WEB3 world🔧⚙️
Learn more about Rialo: https://t.co/XpzcM5OqSS
Discord: https://t.co/C6djYCRUXA
RialoProtocolTelegram: https://t.co/4Jw0srx2BX https://t.co/xelIMcuR98
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Also, be sure to join our community on X, the guys always post important updates and news!
https://t.co/4oe68eQzO3
There is some great news in our community📢📢📢
We are thrilled to announce that @keplrwallet is officially joining the @RialoHQ ecosystem!
As we advance toward our Mainnet launch, Keplr will serve as a portal for users to interact with the first "Real-World Blockchain."
By integrating the world’s leading multichain wallet, we’re making sure that the transition from Testnet to live dApps is seamless, secure, and intuitive.
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I think this is great news, it means we will be able to test a product from Rialo in the near future.✔️
Privacy doesn't mean lawlessness📢📢📢
On @RialoHQ , privacy & compliance are enforced directly at the protocol level
✔️Users can onboard and transact with full anonymity
✔️Encrypted transactions, hidden amounts
✔️While regulators can still hold a view key for full auditability when required.
I think this is the most correct approach: users feel safe, but at the same time the regulator can control
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https://t.co/6SQStPupaM - The project website contains all the necessary information, you can read it in detail!