Credit Guild

The Credit Guild is a protocol for trust minimized pooled lending

## Overview Credit Guild is a protocol built on Arbitrum that enables trust-minimized pooled lending. Rather than relying on centralized intermediaries or single-entity governance, the protocol distributes lending authority across multiple stakeholders. This architectural approach reduces systemic risk concentration and creates a more resilient lending infrastructure for decentralized finance. The protocol addresses a fundamental problem in DeFi lending: most platforms depend either on overcollateralization (requiring borrowers to post excessive collateral) or centralized risk assessment (requ