Unlloo

reputation matters.

The DeFi protocol for under-collateralized borrowing.
Bringing the Web2 loan experience into Web3.

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Be the first to experience under-collateralized DeFi borrowing. Get early access to Unlloo and shape the future of Web3 credit.

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Backed By Innovation

Supported by leading Web3 organizations

The Problem We Solve

In DeFi today, borrowing requires crypto holdings for collateral. Unlloo changes that by leveraging the vast Web3 ecosystem to establish wallet reputation, use unique human verification, and implement other mechanisms that take decentralized loans to the next level.

Traditional DeFi

Over-Collateralized Borrowing

✗Requires existing crypto assets to borrow
✗Lock up more value than you can borrow
✗Constant liquidation anxiety and health factor monitoring
✗Capital inefficiency limits ecosystem growth

Unlloo Protocol

Reputation-Based Credit

✓No or low collateral required to access liquidity
✓Borrow based on your on-chain reputation and history
✓Transparent, verifiable trust metrics
✓Terms improve as you build reputation

How Reputation Works

📊

On-Chain Analysis

Transaction history, protocol interactions, wallet age, and more

🔍

Multi-Protocol Trust

Integration with partner protocols to create a comprehensive trust score

💎

Dynamic Credit Score

Personalized terms and limits that evolve with your behavior

Check out our v1 prototype built during ETHGlobal Prague

View ETHGlobal Showcase

Why Unlloo?

Breaking the collateral barrier in DeFi borrowing with innovative reputation-based assessment.

🎯

Reputation-Based

Build your on-chain credit score and unlock better borrowing terms based on your reputation. Your Web3 activity becomes your creditworthiness.

🔓

Under-collateral

Access liquidity without locking up your assets or partial amount locked. Borrow based on trust and verified on-chain behavior, zero or under-collateral requirements.

✨

Web2 Experience

Familiar loan processes with the transparency and security of blockchain technology. Simple, fast, and user-friendly.

⛓️

On-Chain Trust

Leveraging verifiable wallet history, protocol interactions, and community participation to assess creditworthiness transparently.

📊

Dynamic Terms

Risk-adjusted rates and credit limits that evolve with your reputation. Better behavior means better terms over time.

🌐

Multi-Protocol

Integration with leading identity and reputation protocols like Ethos Network, zkPass, and more for comprehensive assessment.

The Team

Execution-driven builders with proven expertise in Web3 development and DeFi innovation.

Forward-thinking Web3 house backed by execution driven builders.

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Frequently Asked Questions

Everything you need to know about Unlloo

Unlloo is a DeFi protocol that enables zero or under-collateralized borrowing based on on-chain reputation. We bring the familiar Web2 loan experience to Web3, allowing users to borrow without locking up collateral.

We analyze your on-chain activity including transaction history, protocol interactions, wallet age, loan repayment history, and more. By integrating with multiple identity and reputation protocols, we create a comprehensive trust score that determines your borrowing capacity and terms.

No and Yes! That's the revolutionary part. Unlike traditional DeFi borrowing that requires over-collateralization, Unlloo allows you to borrow based on your reputation and trustworthiness in the Web3 ecosystem. You can borrow with zero collateral or a partial amount locked, depending on your reputation and type of the loan

Non-repayment significantly impacts your reputation score and restricts future borrowing. We maintain a public registry of unpaid loans, and may flag wallets in blockchain explorers. We also can target you digital identity by fact that your wallet is not repaying loans.

Unlloo is being built for EVM-compatible chains. We'll announce specific chain support as we approach launch. Join our waitlist to stay updated!

We're currently in development and will be demoing at Devconnect. Join our waitlist to be among the first to access the platform when we launch.

Build your reputation by maintaining consistent on-chain activity, interacting with reputable protocols, participating in DAOs and governance, repaying loans on time, and engaging with the Web3 community. The more you contribute positively to the ecosystem, the better your score.

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