In traditional finance, unsecured borrowing is essential, enabling companies to grow, supporting personal projects, and providing funding opportunities for those with limited access to capital. However, bringing this tool onto the blockchain has been challenging due to the absence of traditional credit checks and trust structures. PeosFi solves this by introducing a unique social-based credit system that considers users' on-chain history, social connections, and reputation. Many people, especially in emerging markets, don’t have traditional assets but still need access to quick loans. PeosFi looks at three factors to determine if someone qualifies for a loan

1. Your On-Chain History: Have you paid back loans in the past?
2. Your Social Connections: Are your friends and contacts reliable? Do they back you up if you need more funds?
3. Your Social Reputation: Is your online presence trustworthy and stable?
   We also introduced a completely new concept called Proof of Humaness to confirm that each user is a real person, ensuring no bots enter the network. Through Reclaim Protocol, we verify whether a user has previously completed KYC on platforms like Coinbase or CoinSwitch. Using zero-knowledge proofs, PeosFi authenticates user identity securely and privately without requiring repeated verification.
   PeosFi’s risk management model incentivizes responsible behavior, adjusting users’ credit lines based on trust, reputation, and on-chain interactions. This creates a safe, accessible lending environment where users can obtain loans based on their history, social trust, and community involvement