On-Chain Reputation Is the Next Credit Score

In this episode, Lucas and Luna explore the rise of on-chain reputation systems — decentralized credit scores built from wallet history, DeFi borrowing patterns, and collateralization ratios. With Bitcoin at 76,890 and Fed rates flat at 3.64%, they ask: Could a proven repayment record on-chain replace FICO scores for millions of unbanked borrowers? Luna shares how a friend in Nairobi used a small USDC loan to build a credit history that unlocked a larger business loan — all without a bank account. Lucas breaks down the mechanics of protocols like EthicHub and CrediScore, and why this matters as stablecoin lending grows. They also touch on the tension between transparency and privacy, and what happens when your wallet history becomes your reputation. #OnChainReputation #CryptoCredit #DeFiLending #Stablecoins #FinancialInclusion #BlockchainCreditScore #EthicHub #CrediScore #USDC #WalletHistory #Unbanked #Bitcoin #Ethereum #FedRates #LucasAndLuna #FexingoBusiness #BusinessPodcast #CryptoEconomy Keep every episode free: buymeacoffee.com/fexingo