Scenarios of WISE Credit

Governance

On-chain governance plays a critical role in Web3. Today, voting power is typically determined by wallet addresses and token holdings alone.

WISE Credit introduces greater flexibility and authenticity to governance by weighting votes based on a user’s broader standing in the community. Rather than treating all capital equally, WISE Credit accounts for trust, contribution, and long-term engagement. This ensures that governance decisions are influenced by participants who are most invested—both financially and socially—leading to more balanced, community-aligned outcomes.

Defi

In decentralized finance, WISE Credit enables more granular risk assessment and personalized financial products. Lenders can offer better rates or lower collateral requirements to users with higher WISE scores, reflecting creditworthiness beyond raw capital.

Smart contracts can dynamically adjust terms—such as interest rates or collateral ratios—based on WISE Credit. This improves capital efficiency and reduces the excessive over-collateralization common in DeFi today.

Decentralized Social Networks

WISE Credit strengthens trust and reputation in decentralized social networks by providing a holistic view of a user’s credibility. Content creators with high WISE scores can gain greater visibility, influence, and monetization opportunities.

Because WISE Credit is portable, users can carry their digital reputation across platforms without friction. This also helps communities identify and reward valuable contributors, driving healthier engagement and interaction.

Real World Assets

For tokenized real-world assets, WISE Credit bridges on-chain and off-chain reputation. In markets involving high-value assets such as real estate or art, WISE Credit can influence access to exclusive offerings or determine priority in oversubscribed allocations.

By providing a comprehensive view of reliability and credibility, WISE Credit becomes a critical trust layer for handling RWAs in decentralized environments.

Sybil Resistance

WISE Credit is inherently Sybil-resistant. It is derived from multiple dimensions of on-chain and off-chain data, making fake identities costly and impractical to maintain.

By combining wealth, identity, social impact, and engagement, WISE Credit creates a rich, multidimensional profile that is difficult to fabricate. Protocols can use WISE Credit as a gating mechanism to ensure real user participation, improve incentive efficiency, and foster healthier ecosystem growth.