In the complex and ever-changing environment of the cryptocurrency
market, liquidity often becomes a key problem faced by investors. GeniZenith platform has keenly
observed this pain point and innovatively launched lending business, providing users with a set of
effective liquidity solutions, and cleverly integrating DeFi Staking mechanism to further enrich the
business ecosystem.
When users encounter temporary capital shortages in real life or other investment scenarios, on the
GeniZenith platform, they do not need to rush to sell the cryptocurrencies they hold and bear the risk
of asset losses due to market fluctuations. Instead, users have a variety of options: they can use their
own cryptocurrencies, such as Bitcoin and Ethereum, as collateral to easily obtain fiat or other
cryptocurrency loans; they can also choose to participate in DeFi Staking with cryptocurrencies. For
example, users can pledge Ethereum to a specific DeFi project connected to the platform, and obtain
additional income by participating in the project's equity proof mechanism. At the same time, under
certain conditions, they can use the pledged assets as "implicit collateral" to obtain a loan of the
corresponding amount. This model that combines lending and DeFi Staking greatly meets the temporary
funding needs of users in different scenarios, whether it is to cope with sudden living expenses or to
seize fleeting investment opportunities, it can provide timely financial support.
In determining the loan amount and interest rate, the GeniZenith platform gives full play to its
advanced AI technology advantages. The platform uses a carefully constructed AI credit assessment
model to conduct a comprehensive and in-depth analysis of the user's credit status. The model does not
simply rely on a single data, but comprehensively considers the user's transaction history, asset
holdings, repayment records, and DeFiStaking participation and income and other multi-dimensional
information on the platform. Through powerful algorithms and fast calculations, it is possible to
accurately assess the user's credit status in a short period of time, and then determine a reasonable
loan amount and interest rate based on the assessment results. Users with good credit, stable trading
behavior, active participation in DeFiStaking and good returns will have the opportunity to obtain
higher loan amounts and more favorable interest rates; for users with certain flaws in their credit
records or higher risk trading behaviors, the platform will also provide relatively reasonable loan
plans based on objective assessment results, which not only meet the user's capital needs, but also
ensure that the platform's own risks are controllable.
Risk control is the core and lifeline of the lending business. The
GeniZenith platform is well aware of this and has built a strict and complete risk control mechanism.
From the selection and evaluation of collateral to the real-time monitoring after the loan is issued,
every link has been carefully designed and strictly controlled.
- In terms of collateral, the platform only accepts mainstream cryptocurrencies with high market recognition and relatively stable prices as collateral, and adjusts the value assessment of collateral in real time according to market conditions. For assets participating in DeFi Staking, the platform will also pay close attention to the operation of the DeFi project in which it is located, the impact of market fluctuations on the value of pledged assets, etc.
- After the loan is issued, the platform uses advanced technical means to monitor the user's repayment status, changes in the value of the collateral, and changes in DeFiStaking income in real time. Once potential risks are discovered, such as a sharp drop in the value of the collateral that may affect the security of the loan, or abnormalities in the DeFi project that cause damage to the value of the pledged assets, the platform will immediately activate the risk warning mechanism and notify the user in a timely manner through various means, requiring them to supplement the collateral, repay in advance, or adjust the DeFiStaking strategy to ensure the security of the loan.
- The platform has also formulated a detailed default handling process. If the user eventually defaults, the platform will dispose of the collateral in accordance with the established rules and laws. Assets involved in DeFi Staking will also be properly handled in accordance with relevant agreements and rules to maximize the protection of the rights and interests of both borrowers and lenders.
The strength of GeniZenith is not only reflected in the rich
Through this series of strict risk control measures, the GeniZenith platform ensures the stable
operation of the lending business while providing users with convenient lending services, injects
reliable vitality into the liquidity of the cryptocurrency market, and allows DeFi Staking to play an
active and safe role in the lending ecosystem.