RociFi V1

RociFi - On-chain Credit Scoring and Capital-Efficient Lending Protocol

## Overview RociFi V1 is an on-chain credit scoring and capital-efficient lending protocol deployed on Polygon. It addresses a core inefficiency in decentralized finance: the inability to assess borrower creditworthiness and extend unsecured credit. Traditional DeFi lending requires overcollateralization—users typically deposit 150% or more in crypto assets to borrow against them. This capital lockup creates friction and makes borrowing expensive for participants with good repayment history. RociFi introduces on-chain credit scoring to change this dynamic. The protocol evaluates borrower behav