The UnllooBlog.
News, announcements, and thinking on credit, reputation, and undercollateralized lending.
Uncollateralized Crypto Lending Protocols Compared (2026)
3Jane, Wildcat, Maple, Goldfinch and 8 more, side by side: who can borrow, who judges the borrower, who sets the rate, and who loses money in a default.
More articles
What Happens If You Don't Repay a Crypto Loan? DeFi vs. CeFi
DeFi loans liquidate your collateral, CeFi lenders sell it, and with no collateral the lenders take the loss. What a contract or a court can actually do.
Is It Safe to Lend Crypto? Risks by Lending Type and a Checklist
Lending crypto is never risk-free. See what can go wrong in custodial, pooled, peer-to-peer and unsecured lending, plus ten checks before you fund a loan.
Can You Get a Crypto Loan Without Collateral? Real vs. Scam
Yes, but narrowly. The six kinds of no-collateral crypto loan that exist, who can actually get one, what each costs, and how to spot a fake offer.
How Are DeFi Interest Rates Set? Curves, Auctions and Offers
DeFi loan rates come from a utilization curve, an auction, or lenders' offers. How each works, why borrow beats supply, and what a quoted rate costs you.
How Do DeFi Loans Work? Pools, Peer-to-Peer and Repayment
How DeFi loans work, step by step: where the money comes from (pool or person), what secures it, how rates are set, when it is due and what default means.
The Anatomy of On‑Chain Reputation
What reputation means in DeFi, how we compute it from eight independent signals across identity, risk, social trust, and on‑chain behavior - and why we believe it becomes the primary credit primitive.
Building Under‑Collateralized Loans: Key Insights
Field notes on designing under‑collateralized loans in DeFi - strategies, lessons, and key insights from building reputation-backed credit systems.