Zeru Finance is a Decentralized lending and borrowing protocol with Credit Infrastructure to provide Zero Collateral Loans in DeFi.

We are working to solve the problem of Over-collateralized loans by bringing the credit infrastructure into DeFi.

• Due to segregated liquidity in various blockchains led to lack of capital efficiency and no proper history of transactions can be brought to other chains to have the same credit profiles in all chains.
• The Over-collateralized lending protocols are making borrowing more and more expensive which is limiting the DeFi market.
• Seeing the current state of uncollateralized lending protocols they solely rely on the credit score that they provide even though having a good credit score doesn’t guarantee the repayment of the loans.
• Credit score in DeFi has no backing since it's given based on previous transactions of the user which can be manipulated easily.

By bringing Zero Collateral Loans into DeFi backed by robust Credit Infrastructure with unified liquidity across multiple blockchains will forge a new way towards the future of endless possibilities.