./ @HanaNetwork What problem does it really want to solve? In one sentence: Why can't the credit you accumulate in the Web3 world be cross-chain? In real life, our credit is "portable": - If you have a good record at Bank A, you can also have a credit limit at Bank B. - The points you accumulate with one credit card can also be used on other platforms for flights or rewards. But in DeFi? Sorry, if you have collateralized loans on Arbitrum and have interacted dozens of times on Optimism, and staked tokens on zkSync, everything resets when you go to another chain. Your address ≠ your reputation. Your participation record ≠ transferable credit. Each chain treats you as a "first-time user." 🌸 What Hana wants to solve is the "fragmentation of cross-chain credit." It hopes to build a unified cross-chain credit layer, allowing the interactions, behaviors, and trust values you accumulate on Chain A to be read and used by protocols on Chain B. What does this mean? - You can deposit collateral on Arbitrum and then directly borrow on Linea. - Your DeFi activity on Polygon can get you lower interest rates on Base. - Project teams can call Hana's credit module to quickly integrate their risk control engines. 🧠 Essentially, Hana is transforming "on-chain behavior" into "callable credit assets". It's no longer just about how much money you have, but about: - Do you have long-term interactions? - Are you a repeat user? - Do you have any default records? - Are you active across multiple protocols? This type of behavioral data has always been on-chain; it just wasn't organized into a "usable credit model" until Hana came along. In summary: Hana is not about helping you borrow more money, but about helping you "carry your credit with you." As chains become more fragmented and assets become more dispersed, Hana's goal is to ensure that your "reputation value" is no longer locked in one place.