As Web3 matures, one thing is clear: wallets need more than transaction history to be trusted.

They need reputation.

That’s where zScore comes in. zScore is a universal, verifiable, and immutable reputation system for Web3. More than just a DeFi tool, zScore is the connective tissue across protocols, communities, and ecosystems. A new primitive to build on top of.

Here’s how zScore will reshape the way users interact across DeFi, DAOs, and decentralized social platforms.

DeFi: Credit Without Collateral

The most obvious use case where zScore can be deployed is in lending and borrowing.

DeFi’s Achilles heel has always been its reliance on over-collateralization. Without knowing who’s behind a wallet, lenders require excess capital to reduce risk. While understandable from a protocol and user protection perspective, this limits access and hurts capital efficiency.

zScore changes the game:

• Track wallet behavior across lending platforms

• Evaluate repayment history, risk appetite, and strategy use

• Power under-collateralized loans based on trust, not size of bags

Protocols can finally assess users like real people, not just pseudonyms.

DAOs: Governance That Rewards Contribution

DAOs suffer from shallow engagement and governance apathy. Too often, influence is bought (via token holdings), not earned. Users complain, but sometimes leadership can’t respond in a meaningful way.

zScore introduces a new primitive: reputation-weighted governance.

• Reward consistent contributors and voters with higher voting power

• Deter sybil attacks and flash-loan takeovers

• Align incentives with long-term commitment, not speculation

Imagine if your vote power in a DAO reflected your work, reliability, and past decisions—not just your wallet size. That’s what zScore unlocks.

Web3 Social: Trust at the Identity Layer

Decentralized social platforms are growing, but they face the same challenge: how do you signal credibility when anyone can spin up 10 wallets and start posting?

zScore becomes the underlying identity layer for Web3 social.

• Verified reputation badges for creators and thought leaders

• Spam-resistant discovery algorithms

• Proof-of-participation across communities and protocols

You don’t need to be doxxed to be trusted. You just need to show up consistently and verifiably.

Composable Reputation for the Entire Ecosystem

The real power of zScore isn’t just what it does—it’s what others can build on top of it.

Any protocol can plug into zScore and tailor it to their needs:

• Lending platforms can set risk thresholds

• DAOs can implement trust-based voting models

• Games can reward real contributors and punish bad actors

• NFT communities can unlock perks for verified participants

Reputation becomes modular, composable, and protocol-agnostic.

From Financial Primitives to Social Proof

We believe reputation is the ultimate layer in Web3.

It turns pseudonymous interactions into meaningful relationships.

It unlocks new design spaces for trust, capital, and coordination.

zScore is that layer.

One score. Many ecosystems. Countless use cases.

Ready to build on top of trust?

Starting by checking your zScore now, then subscribe to our Mirror, follow Zeru on X, or join the Discord to find out when you can mint your zClaim NFT and join the movement!