CreditBroker is a specialized fixed-term, fixed-rate lending broker built on top of the LendingBroker pattern and extended with credit-limit gating.
It enables Lista DAO to offer loans where user eligibility and borrow capacity come from off-chain credit scoring, represented on-chain via Merkle roots.
Unlike standard collateral-based Moolah markets, Credit Loans use CreditToken as collateral representation:
CreditToken is non-transferable.
1 CreditToken = 1 unit of credit limit = 1 USD borrowing capacity.
