3. CredDeFAI Protocol Overview

3.1 Vision & Mission

CredDeFAI Protocol aims to redefine decentralized finance by integrating AI intelligence and on-chain credit systems.

Vision: Build a trusted, AI-powered DeFi ecosystem that enables smarter, fairer, and more efficient access to financial services.

Mission: Empower users with AI Agents for strategy automation, Credit NFTs for reputation, and innovative lending and swap mechanisms, making DeFi accessible to all participants while maintaining security and transparency.

3.2 Core Components

  1. AI Agents

  • Personalized AI Agents provide yield optimization, arbitrage execution, and risk alerts

  • Reduce the learning curve for new users and increase capital efficiency

  1. Credit NFTs

  • Soulbound NFTs record user behavior (borrow/repay, swaps, staking)

  • Dynamic on-chain credit scoring system

  • High-credit users unlock increased borrowing limits and other benefits

  1. Over-Collateralized Lending

  • Combine collateral assets and NFT credit scores to unlock higher loan amounts

  • Defaults result in credit NFT score reductions, creating enforceable accountability

  1. Gasless Swaps

  • Users holding Credit NFTs can perform token swaps without gas fees

  • Gas fees subsidized via protocol incentives or token economy

  • Reduces friction for frequent or small-value transactions

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