Oh, @KernelDAO_ just released the Kred Litepaper, outlining a decentralized, on-demand credit layer built for a $220T global payments market. If stablecoins solved payments speed, Kred is solving credit itself. At the core: KUSD, a yield-bearing stablecoin backed by real-world receivables. Think stablecoins meet BNPL, but borderless, composable, and DeFi-native. Backed by @ethereumfndn & @chainlink research this could be the blueprint for real-time credit rails ↓