Decentralized Credit.
Credit based on you. Not your bureaucracy.
Access liquidity based on your behavior. No credit bureau. No background check. Just your behavior.
The Old Way vs The Deone Way
| The Old Way | The Deone Way | |
|---|---|---|
| Paperwork | Excessive | Zero |
| Scoring | Static credit scores | AI behavioral scoring |
| Timeline | Weeks waiting | Real-time approval |
Two Pathways to Credit
Collateral Loans
Use $WFI as collateral, borrow fiat instantly. Keep your $WFI position; access liquidity. Perfect for holders who don't want to sell.
Behavioral Credit
Your Loyalty Coefficient (LC) measures real engagement. Consistent usage increases your score. Higher LC = higher limits, lower rates.
The Loyalty Coefficient
Your Loyalty Coefficient (LC) measures your real engagement. Unlike static credit scores, your LC is dynamic and grows with your participation in the Deone ecosystem.
- Consistent account usage
- Timely repayments build Behavioral Capital
- Energy farming participation
- Active promotion of Deone services
Example Loyalty Coefficient
Real-World Example
Ana is a rideshare driver with no traditional credit history. Through Deone, her consistent account usage, Energy farming, and active promotion of Deone services build her Loyalty Coefficient. After 6 months, she qualifies for a €2,000 credit line—her first ever—based entirely on her behavior, not her past.