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.What is zScore?zScore is a revolutionary new service that computes your on-chain credit score based on your past borrowing and repayment history. By leveraging the power of ...

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.What is zScore?zScore is a revolutionary new service that computes your on-chain credit score based on your past borrowing and repayment history. By leveraging the power of ...

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. Back then, we witnessed a massive influx of users and capital into D...

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. Back then, we witnessed a massive influx of users and capital into D...

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. Today, Zeru is proud to announce the integration of Reclaim Protocol’s zero-knowledge Transport Layer Security (zkTLS) tech. This collaborat...

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. Today, Zeru is proud to announce the integration of Reclaim Protocol’s zero-knowledge Transport Layer Security (zkTLS) tech. This collaborat...

Zeru, builders of the world’s first-ever omnichain credit infrastructure, and full-stack omnichain DeFi looping platform, is excited to share that Kodiak has been integrated into our app on Berachain’s bArtio testnet. Kodiak’s Automated Liquidity Manager (Kodiak Islands) is designed to attract sticky deposits from the average user through their ‘set-and-forget’ automated concentrated liquidity strategy vaults. Zeru enhances Kodiak Islands by enabling leveraged liquidity provision, up to 15x l...

Zeru, builders of the world’s first-ever omnichain credit infrastructure, and full-stack omnichain DeFi looping platform, is excited to share that Kodiak has been integrated into our app on Berachain’s bArtio testnet. Kodiak’s Automated Liquidity Manager (Kodiak Islands) is designed to attract sticky deposits from the average user through their ‘set-and-forget’ automated concentrated liquidity strategy vaults. Zeru enhances Kodiak Islands by enabling leveraged liquidity provision, up to 15x l...

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. LayerZero’s technology enables apps to move data across blockchains, supporting censorship-resistant messages and permissionless development through its immutable smart contracts currently deployed on more than 80 mainnet networks. What this means for Zeru is that, once enabled, Zeru users wi...

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. LayerZero’s technology enables apps to move data across blockchains, supporting censorship-resistant messages and permissionless development through its immutable smart contracts currently deployed on more than 80 mainnet networks. What this means for Zeru is that, once enabled, Zeru users wi...

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.The Carnot CycleLet us explain the Carnot cycle in a simple way: Imagine you have a hot cup of coffee and the cold ...

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.The Carnot CycleLet us explain the Carnot cycle in a simple way: Imagine you have a hot cup of coffee and the cold ...

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. Recapping why Zeru’s incentivized testnet is so significant:One stop shop for all DeFi on Base: if you’re a newcomer to the wider Ethereum ecosystem, Zeru’s simple UI and full-stack DeFi offering means that you don’t have to go anywhere else. Lend, borrow, leverage, yield strategies, staking, and liquidity pr...

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. Recapping why Zeru’s incentivized testnet is so significant:One stop shop for all DeFi on Base: if you’re a newcomer to the wider Ethereum ecosystem, Zeru’s simple UI and full-stack DeFi offering means that you don’t have to go anywhere else. Lend, borrow, leverage, yield strategies, staking, and liquidity pr...

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.What is EigenLayer?EigenLayer in Simple TermsImagine you have a really strong lock on your bike. This lock keeps your bike safe when you're...

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.What is EigenLayer?EigenLayer in Simple TermsImagine you have a really strong lock on your bike. This lock keeps your bike safe when you're...

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.Founding and Initial FocusZeru was founded with a vision to solve for under-collateralized lending in the DeFi space. The development of their solution led to the realizati...

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.Founding and Initial FocusZeru was founded with a vision to solve for under-collateralized lending in the DeFi space. The development of their solution led to the realizati...

You have heard about berachain and every degen fren has an exposure to it but you are the only one who has faded it? Don’t worry, Zubbles69 is for you. This round of Zeru’s incentivized testnet is bigger and better than ever. Why?One stop shop for all defi on berachain: if you’re a newcomer from solana eco, zeru’s simple ui and full-stack defi offering means that you don’t have to go anywhere else. lend, borrow, leverage, yield strategies, staking, liquidity provisioning, all in one platformO...

You have heard about berachain and every degen fren has an exposure to it but you are the only one who has faded it? Don’t worry, Zubbles69 is for you. This round of Zeru’s incentivized testnet is bigger and better than ever. Why?One stop shop for all defi on berachain: if you’re a newcomer from solana eco, zeru’s simple ui and full-stack defi offering means that you don’t have to go anywhere else. lend, borrow, leverage, yield strategies, staking, liquidity provisioning, all in one platformO...

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. Here’s a detailed recap of everything we accomplished in 2024, a year that laid the groundwork for an inclusive and thriving onchain credit economy. Key Milest...

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. Here’s a detailed recap of everything we accomplished in 2024, a year that laid the groundwork for an inclusive and thriving onchain credit economy. Key Milest...

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. Over-collateralization also impacts the dynamics of the lending market. Lenders, though at a lower ...

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. Over-collateralization also impacts the dynamics of the lending market. Lenders, though at a lower ...