Uncollateralized lending is reshaping DeFi—borrow between $100 and $20K interest-free with Credifi's latest offering.

Here's what changed the game: zero collateral required, zero fees charged, and a locked-in 4% annual rate for the full 3-month term. Your funds hit your wallet instantly through multiple channels—traditional bank ACH transfers, Venmo, PayPal, USDC payments on Base, or Honey on Berachain.

The catch? You'll need to be a US resident with a credit score of 680 or higher. But if you qualify, this could be the easiest way to access capital without liquidation risk hanging over your head. No asset volatility concerns, no complex collateral ratios to manage—just straightforward borrowing at predictable rates.

This move signals where DeFi lending is heading: bridging traditional credit systems with on-chain efficiency.