Unlloo protocol

Reputation matters. The Web3 ecosystem is growing fast, and now is the right time to build with it. That’s why we created Unlloo—a protocol that calculates your on-chain reputation and gives you access to exclusive DeFi features, like uncollateralized borrowing or lower fees in partner protocols.

By creating and tracking reputation, Unlloo also helps incentivize positive actions, such as participating in DAO voting, which is still a big challenge in today’s Web3 space.

Another problem Unlloo solves is the need for collateral to borrow in DeFi. In traditional finance, credit can be given without collateral—so why not in DeFi? If a wallet has a strong reputation, a long transaction history, uses DeFi regularly, takes part in DAOs, and holds valuable NFTs or POAPs, we believe it deserves access to credit.

That’s the purpose of Unlloo: an on-chain reputation protocol that empowers users to take uncollateralized microloans whenever they need them.

Unlloo is built for the future of web3, where your on-chain actions actually mean something. We started with a solid foundation: Scaffold-ETH-2, powered by Hardhat and Next.js, with a fast Vercel pipeline so we can ship updates at lightspeed.

But the real magic is in the data. Using Blockscout’s APIs, we pull everything from token balances and NFTs to ENS names and transaction history. Then we run it through our custom algorithms to build your on-chain reputation - not just a score, but a full picture of your DeFi activity, governance participation, asset profile, many more and soon, even POAPs and social connections.

And we’re not just doing this for fun. Today’s DeFi world still relies on over-collateralized loans. But what if your reputation could work like credit? That’s exactly what Unlloo does. We’ve written our smart contract in Solidity, deployed it to Flow Mainnet, and launched live liquidity pools (WETH, USDC, cbBTC, and UNLOO). Liquidity providers earn yield, while users with strong reputations can access uncollateralized microloans, no lockups, no nonsense.

Behind Unlloo is a small but proactive team that worked day and night to bring something real to the DeFi space. Filip took the lead on Solidity smart contracts, Romi built the full-stack engine, and Eli brought it all together with stunning design and frontend work. Every line of code, every pixel, crafted with care.

We’ve taken this idea to shared, it with mentors and partners, and improved it through countless iterations. Now it’s live—running on Flow, deployed on Vercel, and ready to explore at unlloo.com.

This isn’t just another DeFi app. It’s your identity. Your reputation. Your key to unlocking real opportunity on-chain. And we’re just getting started.