See exactly how DeFi overcollateralization locks capital as a credit tax. Adjust loan amount, collateral asset, and credit tier to watch the cage shrink — or disappear entirely — as on-chain reputation improves.
To borrow $100 in DeFi, you lock $125–167 in collateral. That gap is the price of trustlessness — and AI agents pay it the same as anyone. On-chain credit scoring is emerging to close it, but the signals that work for humans fail for agents that can spin up new addresses in milliseconds.