21年聊过一个做Crypto无抵押借贷的项目，比现在这些RWAfi的不知道早到哪里去了
业务模式很简单，链上揽储，然后也是给尼日利亚黑哥哥防贷
我问他们那黑哥不还钱怎么办，当时告诉我他们有线下催收公司，不还钱就给黑哥上电棍了
不过到最后也没揽储，貌似就拿自己钱放了点，然后借假修真大所满贯

有个以前在尼日利亚做网贷的朋友说，在当地做黑哥哥的贷后催收，什么办法都不好使，只能用魔法勉强可以减少点坏账：兄弟，本来你没资格借钱，我们是按照真主的旨意破例借给你的，不还的话，真主一定不会让你好过。

加蜜师弟

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I talked to a Crypto unsecured lending project back in 2021, which was way ahead of today's RWAfi projects.
The business model was simple: on-chain deposits and loan protection for Nigerian borrowers.
I asked them what they did if the borrowers didn't repay, and they told me they had offline collection agencies and would use stun guns on the borrowers if they didn't pay.
But in the end, they didn't actually attract any deposits; it seems they just used their own money to lend out some, and then they used this deceptive practice to achieve massive profits.

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不是 韩国团队，后面改做L1那个

It wasn't a Korean team; they later switched to making L1.