9. Governance
9.1 DAO Framework
CredDeFAI Protocol is governed by a Decentralized Autonomous Organization (DAO):
$DEFAI holders and NFT owners participate in voting
Voting rights weighted by staked tokens and credit NFT levels
Governance decisions include:
Credit scoring model updates
AI strategy improvements
Lending parameters (interest rates, collateral ratios)
Ecosystem partnerships and integrations
9.2 Proposal Process
Proposal Submission: Any qualified stakeholder can submit proposals
Voting Period: Community votes on approval/rejection
Execution: Approved proposals are automatically enforced via smart contracts
Transparency: All proposals, votes, and results are recorded on-chain for auditability
9.3 Staking & Incentives
Users lock $DEFAI tokens to gain voting power
Longer staking periods yield higher multipliers
Stakers are rewarded with additional protocol incentives and governance privileges
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