0911 - Wallet-based credit tokens with collateral locking and automated repayment settlement
Summary: A credit mechanism for stablecoin wallets issues "credit tokens" that allow a user to pay beyond their current balance based on available collateral. The system locks or blocks designated assets as security, tracks credit usage and repayments in smart contracts, and supports automated settlement flows between payer, payee, and credit provider.
Technology: Financial Systems, Consumer Credit, On-chain Credit Tokens
Industry: payments_fintech
Applications: consumer_credit
Topic: Insurance & Liability Tokens
Sequence ID: 0911