# Credit System ### **Credit System--Defi Infrastructure** In the field of decentralization finance, there is no effective credit system currently, because in the decentralized field, the cost to establish the addresses is almost zero, which means the cost of fraud is almost zero if use those data to build a credit system. At present, at block-chain area, almost all the lending business are mortgage loan, with an asset equivalent to 1000usdt, only 800Usdt of liquidity can be borrowed. This makes decentralized finance completely unable to provide liquidity like traditional financial markets, which greatly restricts the development of decentralization. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://ceresdid.gitbook.io/nft/application-scenarios-of-ceres/credit-system.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.