Zeru

We are excited to announce that Zeru's groundbreaking new product, zScore, is now live on testnet backed by the zScore EigenLayer AVS (Actively Validated Service). This marks a major milestone as we prepare to bring the world's first decentralized, AI-powered credit infrastructure to the Web3 and DeFi ecosystems.What is zScore?zScore is a revolutionary new service that computes your on-chain credit score based on your past borrowing and repayment history. By leveraging the power of ...

Explore Zero-Collateral Loans and AI-Driven DeFi Strategies on ZeruZM, BM! We’re excited to announce that Zeru’s Testnet is officially live on Base’s Sepolia Test Network. Head over to testnet.zeru.finance and start exploring. Before we dive into the Testnet, let’s get to know Zeru a bit better.About ZeruZeru is a decentralized credit infrastructure protocol enabling zero collateral loans. The protocol allows users to borrow funds based on their creditworthiness, leveraging the ZScore credit ...

Dear Zeru Community, First of all, we thank you for joining us early on the Zeru journey. Your unwavering support means the world to us and motivates us to build the protocol you’ll truly enjoy. As we approach the launch of our public testnet, we want to share what we’ve accomplished over the last 4 weeks. These updates mark our progress as we refine the product.Key Innovations by ZeruZeru who introduces a paradigm shift in DeFi by offering zero collateral loans, leveraging onchain data and a...

A foundation for life as we know itCredit infrastructure is the very foundation of modern finance, tracing its roots back some five thousand years, well before even the introduction of currency. But this is probably underselling the importance of credit, as it has arguably been foundational to the emergence of civilisation itself. After all, one of the first use cases for lending and borrowing was to address challenges in ancient crop cultivation. Planting, growing, harvesting, and processing...

Zeru Finance is excited to share that we have chosen to build zScore, our upcoming, interoperable, onchain credit scoring solution for DeFi on EigenLayer! EigenLayer’s AVS technology was a natural choice. If you’re new to EigenLayer, we explain it in simple and more technical terms below, along with some details about how zScore will work in practice.What is EigenLayer?EigenLayer in Simple TermsImagine you have a really strong lock on your bike. This lock keeps your bike safe when you're...

Zeru, builders of the world’s first-ever omnichain credit infrastructure, and full-stack omnichain DeFi looping platform, is excited to share that Kodiak has been integrated into our app on Berachain’s bArtio testnet. Kodiak’s Automated Liquidity Manager (Kodiak Islands) is designed to attract sticky deposits from the average user through their ‘set-and-forget’ automated concentrated liquidity strategy vaults. Zeru enhances Kodiak Islands by enabling leveraged liquidity provision, up to 15x l...

Before diving into DeFi, it’s essential to understand how traditional lending and borrowing work. Traditional systems rely on intermediaries like banks, which manage the funds, assess creditworthiness, and handle the lending process. Borrowers usually need to provide collateral or have a strong credit history to get loans. This system, while established, has several drawbacks:High Fees and Interest Rates: Intermediaries add costs, making borrowing expensive.Slow Processes: Loan approvals can ...

Zeru Finance, the full-stack DeFi looping platform, has made a strategic decision to build on the LayerZero protocol, incorporating LayerZero’s omnichain technology stack and vision into Zeru’s platform. LayerZero’s technology enables apps to move data across blockchains, supporting censorship-resistant messages and permissionless development through its immutable smart contracts currently deployed on more than 80 mainnet networks. What this means for Zeru is that, once enabled, Zeru users wi...

You have heard about berachain and every degen fren has an exposure to it but you are the only one who has faded it? Don’t worry, Zubbles69 is for you. This round of Zeru’s incentivized testnet is bigger and better than ever. Why?One stop shop for all defi on berachain: if you’re a newcomer from solana eco, zeru’s simple ui and full-stack defi offering means that you don’t have to go anywhere else. lend, borrow, leverage, yield strategies, staking, liquidity provisioning, all in one platformO...

Currently, the lending and borrowing markets in the blockchain ecosystem, notably on platforms like Ethereum and Polkadot, are predominantly over-collateralized. This means borrowers must lock up more collateral than the amount they are borrowing to secure a loan. This model reduces risk for lenders, but creates a significant barrier for borrowers who may not have sufficient collateral upfront. Over-collateralization also impacts the dynamics of the lending market. Lenders, though at a lower ...