> ## Documentation Index
> Fetch the complete documentation index at: https://core.anylayer.org/llms.txt
> Use this file to discover all available pages before exploring further.

# Lending Platform Use Case

> Using ZKScore for undercollateralized lending

## Overview

Enable undercollateralized or reduced-collateral lending based on borrower reputation and ZKScore.

## Implementation

<CodeGroup>
  ```javascript JavaScript theme={null}
  async function calculateCollateralRequirement(borrower, loanAmount) {
    const score = await zkScore.getScore(borrower);
    const baseCollateral = loanAmount * 1.5; // 150% base
    
    if (score.total >= 800) return loanAmount * 1.1; // 110%
    if (score.total >= 600) return loanAmount * 1.25; // 125%
    if (score.total >= 400) return loanAmount * 1.4; // 140%
    
    return baseCollateral;
  }
  ```
</CodeGroup>

## Benefits

1. **Lower Collateral**: High-reputation users need less collateral
2. **Better Rates**: Reward trustworthy borrowers
3. **Risk Management**: Score-based risk assessment
4. **Default Prevention**: Higher scores correlate with repayment

## Related Documentation

* [DeFi Integration](/integrations/defi)
* [Trust Gating](/guides/trust-gating)