Digital lending refers to the process of offering loans through online platforms and digital channels. This method often leverages technology to streamline application, approval, and repayment processes, providing greater accessibility and speed compared to traditional lending. It is a key component of the broader digital economy.
Context
Within the cryptocurrency ecosystem, digital lending encompasses both traditional fiat-based loans facilitated by fintech companies and crypto-backed loans where digital assets serve as collateral. Discussions frequently address the regulatory landscape surrounding these activities, the creditworthiness assessment of borrowers in a decentralized context, and the management of liquidation risks associated with volatile collateral assets. The integration of decentralized finance (DeFi) protocols is also reshaping the operational paradigms of digital lending.
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