A problem people bring · solved
Borrow with no credit history
DeFi lending never asks for a credit score: on Aave you borrow against collateral you already hold, so you keep your savings and still get cash. With nothing to pledge yet, start an onchain record of references and repayments people can check. Borrow far below the limit. Skip these: borrowing what you cannot repay.
- 3 stops
- 40 minutes, all in
- 4 surprises
- 1 live demo
Chapter 1
Who knew?
Aave never asks your name, income or credit score.
If your collateral drops, a stranger can repay part of your loan and take some collateral plus a bonus.
You keep the money you borrowed even if you get liquidated; you lose collateral instead.
The useful trick is borrowing against savings you want to keep, not borrowing from nothing.
Without credit, the only loans are predatory ones at huge rates.
Gas on an L2 is cents, and interest is variable and set by supply and demand. The real cost is the collateral you lock up and the risk of losing part of it if prices fall.
Chapter 2
The free route, step by step
3 stops, cheapest first
Three ways through
Pick your route
- Start free tonight
Start a record lenders could read
With nothing to pledge, start building trust: references and a clean wallet history.
- Give or get a work reference that lives onchain
- Keep receipts of every bill and loan you repay.
Cost Free; references cost a fraction of a cent.
- The bold play
Borrow against what you hold, carefully
If you hold crypto you will not sell, Aave or Kamino lend against it with no credit check. Borrow far less than the limit.
- Borrow against crypto you already hold, no credit check
- Set an alert well above the liquidation price.
Cost Gas plus variable interest. Liquidation can cost real money.
- Build it
Build the repayment record
Built by the House3Jane already gives unsecured credit lines from onchain and offchain data. Nobody has built a portable repayment record for people with no bank history. The House will build it with you.
Cost Build time.
Your version
Make this mine
Tell the Engine where you stand and it re-routes this answer for you. Three free a day, shared with Ask the Engine. Engine Pro members get unlimited.
Past the basics
What’s possible
- Live today
Borrow against crypto with no credit check.
How Open Aave. Borrow a small share of your limit.
- Live today
Get an unsecured onchain credit line.
How Check 3Jane's eligibility. Expect checks on income.
- Possible to build
A portable repayment record for people banks ignore.
How Issue EAS attestations per repaid loan. Show them on one page.
Project + project
Combos nobody marketed
- Aave+a health alert=
Borrow without a credit check and get warned long before liquidation.
Why it works Aave shows your health factor live.
- repayment attestations+3Jane=
A record of repaid loans could one day feed an unsecured credit line.
Why it works 3Jane underwrites with onchain activity plus offchain data.
- Kamino+Solana holdings=
Borrow USDC against SOL in seconds for cents.
Why it works Kamino is Solana's largest lending market.
Chapter 3
Try it live
Do not take our word for it. Aave runs right here, so you can poke at the real thing before you commit to anything.
Wallet or sign-in will not open in here? Open Aave in a new tab ↗
Chapter 4
Where it matters most
- young people with savings but no file
Borrow short term without selling savings.
- newcomers to a country
Credit history does not travel, but collateral does.
- small traders needing stock money
A short loan against held assets can bridge a gap.
Chapter 5 · Not built yet?
Build it
An onchain repayment record people can share with lenders, showing loans repaid on time.
Who could build it People building a first credit record.
For founders
Uses you never marketed
Short bridge loans for people locked out of credit, explained plainly, is a story beyond crypto traders.
Token utilityAAVE can be staked into Aave's safety module, which backs the protocol against shortfalls.
Ethereum Attestation ServiceUnmarketed useRepayment attestations could become a portable credit record that travels across countries.
Connections
People to meet
- Aave
Learn health factor and liquidation.
- 3Jane
Ask what data unsecured lines read.
- Ethereum Attestation Service
Build the repayment record.
- projects
Find lenders that read onchain records.
Propose a bridgetwo projects, one outcome neither could reach alone
Questions
Can I borrow on Aave with no money at all?
No. You must deposit collateral worth more than you borrow, so it only helps if you already own assets.
What happens if the price of my collateral falls?
If your health factor drops below 1, part of your collateral can be sold to repay the loan, with a penalty.
Does repaying a DeFi loan improve my bank credit score?
No. DeFi repayments are not reported to credit bureaus, though an onchain record can be shown to people who accept it.
Is borrowing in DeFi legal and is it financial advice?
Rules vary by country and this is not financial advice. Learn the risks and only borrow what you could repay.
Who already trusts you to pay them back, and how could they say so where a lender can see it?
Some links are referral links; they never change what we recommend.