Lending that remembers who you are

How do you underwrite credit on-chain without an oracle and without over-collateralizing everything?

DeFi lending mostly solved trust by demanding more collateral than the loan, which works and also means no credit actually exists. The alternative is to score the borrower from behavior already recorded on-chain, which removes the oracle from the risk path but adds a new problem: a score computed from public history can be farmed. Kredio is my build of that for Polkadot, hybrid EVM to PolkaVM atomic calls for scoring, NeuralScorer watching for manipulation in real time, the YieldMind routing layer, and XCM so the assessment travels across parachains.