I got $250 in USDT credit to spend with my Minipay card. Without any collateral. It is the closest I've seen to real onchain banking. Its a cashflow underwriting strategy. How it works: 👇🏻 1) Open your @minipay wallet. 2) Add CreditLine miniapp. (you need to enable DevMode as this is still in beta and paste the URL It runs inside the MiniPay wallet you already have. Nothing to install, and no wallet to connect. (Only for wallets with +30 days activity) 3) Verify who you are with one short check ID (Phone + Name + Address + Birthdate). It takes lesst than two minutes, and you do it once. 4) Borrow USDT without collateral against your history and balance amount Your money is not locked up, and can't be liquidated. 5) Repay on installments. Every repayment on time raises your limit. I've been testing this and got a credit line up to $150 first time, and then it jumped to $250. Ideally I'd like to reach $1000~$3000 without having to repay fees too many times. I have 10 codes to give out, DM me for sharing.