Cross-Chain Micro-Lending Marketplace

A decentralized micro-lending platform where users can borrow and lend small amounts of stablecoins or tokens across Polkadot parachains.

Unlike traditional lending dApps, this focuses on short-term, small-ticket loans that are collateralized by staking derivatives, NFTs, or token baskets. This opens DeFi to underbanked communities and DAO contributors who don’t need big loans but fast liquidity.

The system can integrate on-chain reputation scores (via PolkaIdentity) to reduce collateral needs for repeat borrowers. By using XCM, liquidity can move between parachains to maximize utilization.

Lenders earn yield from fees, while borrowers get frictionless access to capital without heavy overcollateralization.