For too long, DeFi has been ruled by mercenaries and manipulators—Sybil attackers claiming airdrops, bots front-running trades, and whales farming liquidity while real contributors get left behind.

“Crypto has an apps problem. AI has a trust problem. But AI can make apps better and crypto can provide the trust. So it’s a match made in heaven.”- Sreeram Kannan, Founder EigenLayer

DeFi is broken.

At its core, Zeru's money market app features leveraged borrowing based on the zScore. zScore is the first decentralized reputation system for crypto that factors in onchain transactions, and offchain credentials through zkTLS to determine the reputation of a user based on their behavior. This makes it the first money market to function on the back of user's reputation.

On 5 December 2024, Zeru had its first community call! This gave zerus an opportunity to send questions in for the core team to answer, and to share some information about Zeru’s roadmap into 2025. Will there be NFTs? When will the mainnet launch? All that and more was covered. Below is a detailed outline of the call notes.

DeFi has long been limited by the absence of robust credit solutions—especially ones that would allow protocols to use real-world financial data to help inform on-chain lending decisions, like collateral amounts. Traditionally, DeFi protocols have applied global collateral requirements and LTV ratios to all users, regardless of deposit or borrow amounts.

As 2025 begins, we take a moment to celebrate Zeru’s incredible first year of pioneering the future of onchain credit. In 2024, we recognized the transformative potential of DeFI and AI, leading us to create a behavior-based wallet primitive for credit—a foundational step toward redefining how credit works in the decentralized economy.

Do you remember the heady days of DeFi Summer 2020? Ethereum was clogged, Bitcoin transaction fees went through the roof, even Polygon and Avalanche couldn’t keep up with the amount of traffic happening onchain. While we now have a variety of high throughput, low-cost layer 2 blockchains built on top of Ethereum, faster finality, and more protocols than ever to choose from, in many ways history may be about to repeat itself.

Zeru’s incentivized testnet, Zubbles69, is Based! The testnet that has attracted tens of thousands of users is now on Base Sepolia, exploring new protocols and AI-driven DeFi strategies.