Thin File Population by Chain

"Thin File" users are individuals with little, no, or insufficient transactional information to calculate a reliable credit score.

This population is typically associated with a higher likelihood of default or bad debt when borrowing. In traditional finance, these users are often new entrants to the financial system, such as first-time job holders, students, etc. In the context of on-chain lending, this could include individuals who experimented with blockchain transactions once but never returned.

Despite differences in definition between blockchain and traditional finance, assessing the credit risk of this group without transactional or lending history is essentially a "coin flip."

To improve your creditworthiness and secure future lending opportunities, maintain funds and transactional activity on-chain.

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