What happens when you bring real financial identity on-chain? A new protocol just did it—using zero-knowledge proofs to verify your actual credit score without exposing sensitive data. The numbers are striking: $850k in loans closed in the first 30 days, zero defaults, and here's the kicker—68% of borrowers were DeFi virgins, never touched the space before. That's the untapped potential. Paradigm backed the idea with a $5m seed, betting that undercollateralized lending cracks open a $3.2 trillion consumer credit market. Compare that to traditional DeFi: most protocols demand 150%+ collateral ratios just to sleep at night. This model flips the script entirely.