Onchain credit was theory for years @MavrykNetwork is shipping the co‑op playbook: member‑owned treasuries, programmable vaults, transparent policy curves all onchain • Depositors become underwriters, earning from the credit they help provision • Borrowers tap diversified collateral with real‑time health metrics • Reserves and risk tranches managed by governance, not black boxes • Auditable flow of funds, community sets rates and limits Think Maker’s minting + Aave’s markets, wired for cooperative ownership The Alpha: co‑op underwriting creates sticky liquidity, lower spreads, and reflexive growth as local credit clubs plug into one composable network of onchain co‑ops