# 贷款生命周期

| 阶段                   | 时间            | 描述                                                                                                      |
| -------------------- | ------------- | ------------------------------------------------------------------------------------------------------- |
| 1. 信用评估              | 每日（链下）        | Lista 评估合格的 Binance MPC 钱包，分配信用额度，并向 `CreditBroker` 发布新的 Merkle 根。                                      |
| 2. CreditToken 铸造/销毁 | 根更新后          | 用户提交 Merkle 证明以声明或调整 `CreditToken` 余额。信用评分提高时铸造，降低时销毁。                                                  |
| 3. 供应和借款             | T = 0         | 借款人调用 `CreditBroker.supplyAndBorrow(amount, proof)`。验证证明后，代理通过调用 `Moolah.borrow()` 代表用户操作，扣除前期利息，并支付净额。 |
| 4. 还款                | 到期日或之前        | 借款人调用 `repay()`。本金返回到金库。                                                                                |
| 5. 宽限期               | 到期日至到期日 + 宽限期 | 贷款逾期但尚未应用罚款。借款人仍可还本金加上开办费。                                                                              |
| 6. 应用罚款              | 宽限期后          | 对未偿还债务应用 `3%` 的罚款，并将其路由到 Credit Vault。                                                                  |
| 7. 黑名单               | 触发罚款后         | Merkle-门控操作（供应/提取/借款）被暂停，直到包括罚款在内的全额还款。                                                                 |
| 8. 恢复                | 全额还款后         | 移除黑名单。信用评分可能会根据政策逐渐恢复。                                                                                  |

## 注释

* 在经纪流程中，利息通常是预先收取的。
* `CreditBrokerInterestRelayer` 将利息路由到 Credit Vault。
* Merkle 证明检查是信用额度更新和借款授权的核心。


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