Lucia Protocol

Lucia Protocol is a non-custodial lending protocol deployed mainly on Polygon, built around an attribution credit scoring system that combines on-chain transaction history with off-chain credit records to compute borrower scores, which set the minimum collateral ratio and borrowing limit, while good repayment history lifts both score and ceiling, and off-chain data for scoring is imported with user authorization, revocable at any time.

Users collateralize assets into individual accounts called Sheds and can borrow LUCI stablecoins up to the dollar value of their collateral, with credit default insurance and zero-knowledge proofs protecting scoring privacy. It targets slow traditional credit decisions and the exclusion of people without credit histories, putting on-chain behavior into underwriting, with scoring dimensions and weights transparent to borrowers. The protocol also offers flash loans for liquidation and market making, with interest rates tiered by borrower region.