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How Wildcat Is Rethinking Private Credit on Ethereum
A platform proving DeFi can scale undercollateralized lending and borrowing
Wildcat is building a new foundation for credit on Ethereum, one that trades the familiar overcollateralized model for greater capital efficiency and real world flexibility.
At its core, Wildcat is a decentralized protocol for undercollateralized borrowing and lending. Rather than forcing borrowers to lock up more capital than they need, Wildcat lets them design custom markets: setting their own loan amounts, interest rates, and redemption terms while giving lenders the freedom to choose their exposure directly.
With this new programmable credit primitive, Wildcat makes it possible for DAOs, funds, market makers, investors, and onchain businesses to access liquidity in ways that mirror real world finance, but with the transparency and automation of DeFi. Borrowers can launch fully customized markets, and lenders can engage directly, bypassing the traditional gatekeepers. In doing so, Wildcat isn’t just experimenting with decentralized lending, it’s reimagining the infrastructure for reputation, trust, and credit in the onchain economy.
In this new episode of The Edge Podcast, we sit down with the charming and witty CoFounder of Wildcat, Laurence Day to unpack his vision for a radically simple primitive that we hope unlocked trillions in future liquidity onchain.
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