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.

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.

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.

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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.

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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:

Dear Zeru Community,

Credit 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 wheat before the advent of mechanised agriculture was an extremely resource- and time-intensive operation. Bankrolling upfront expenditure for the earliest farmers was an obvious win-win for everyone involved.