NAOS believes the future of the protocol lies in the hands of our community. Given the complexity of the business model, we believe it’s in the best interest of our community to ease into governance with a structured infrastructure in place.

We envision the protocol to be fully decentralized and automated, in which a borrower is able to submit a loan proposal, assess by experienced auditors, before entering governance vote.

Instead of leaving the community to do the heavy-lifting of evaluating a borrower’s financial statements and operating data on the get-go, NAOS strives to build a transparent, standardized and intuitive credit rating system for all borrowers. As the protocol grows with more lending data, a more refined credit model will enable our community to make informed decisions.

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