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❄️Say hello to Santa’s littlest helper, there are many miles to go for a creature soo small, help this penguin find its way through the sleet and the snow, to those who supported you this year. On 12.25 whoever holds this token will receive a bit of the credit they deserve. 🐧🎁

Crazy idea…it’s good actually to invest in your friends.

How many of your friends would you lend money to if they asked? How many of those same friends are borrowing money from banks… …at rates higher than the banks paying for your savings deposit? Multiply that by every trusted friend. That’s the value of a p2p credit network.

How many of your friends would you lend money to if they asked? How many of those same friends are borrowing money from banks… …at APRs higher than your bank pays you for your savings?😓🤦‍♀️ peer-to-peer credit = more interest for lenders & lower rates for borrowers. 💳🤝💵

Im gonna start putting my money where my mouth is. Moving $10k of my traditional savings to Union Finance on Base and underwriting friends and founders i trust (with $1k+ each). Starting with those who have supported me, in big and small ways. Building through multiple bears

Union Token(UNION) is now streaming successfully from Union dao treasury to the comptroller on Base. If you are staked, you can now withdraw rewards and use UNION on L2. If you haven’t staked yet, Union rewards are ongoing and live through at least 2025. Note : the base CA

Our token distribution strategy is simple: Use the onchain credit protocol, Earn the onchain credit protocol token.

# why onchain credit?

credit is +ev

UIp18 has been passed and successfully executed. Stake and debt limits have all been raised.

cant get liquidated if the loans uncollateralized

introducing Credit Club ~ tokenized credit unions.

help us test CreditClub ~ a defi protocol for deploying tokenized credit pools (uncollateralized). the first credit club is Builders Credit ($BUILDERS) supporting top onchain builders on base! ◸ ◹ ◺ 🦫 ◿ ▹ the top 1000 addresses with a Talent Protocol score & isHuman

One of the biggest missing pieces for onchain p2p credit has been access to a social graph.