LuminalProtocol
@LuminalProtocol
Privacy-first DeFi credit rail. zkDID + AI risk → non‑custodial undercollateralized loans for the underbanked. Launching 2026
What is Luminal Protocol? It starts with a simple belief: no one should be locked out of fair credit just because a bank says no. Luminal is a global, peer-to-peer lending network built for real people, not balance sheets. • No banks holding the keys. • No crushing collateral…
Hot take: I dont understand how @Kalshi is valued nearly as high as @Polymarket. They both have the same use case while polymarket is built on decentralized crypto rails. Anything built in a decentralized manner is and will always be superior. #Crypto
Capitalism isnt the problem. Its the people manipulating it which are the problem #economics
Inferring that capitalism is bad because it doesn't serve certain sections of people is like saying you're bad because you're unhealthy. Is this case, we wouldnt throw you away just like we shouldnt throw capitalism away. Just like it takes a balanced lifestyle to make a person…
什么是 Luminal Protocol？ 这一切始于一个简单的信念：没有人应该仅仅因为银行的一句“不”就被挡在公平信贷的大门之外。 Luminal 是一个全球性的点对点借贷网络，专为真实的人而构建，而不是为了资产负债表上的数字。 没有银行掌控钥匙。 没有苛刻的抵押要求。…
Banks spent years deciding who is worthy of credit Luminal lets people prove it with actions Global USD lenders on chain, AI risk checks, zkDID privacy and insurance that protects both sides When borrowers pay back on time they earn LUMIN not just a credit score Follow…
Luminal: ✔️ crypto neobanks ✔️ yield app ✔️ stablecoin payment apps ✔️ identity & reputation primitives Also: ✔️ polycrntric governance ✔️ sustainable tokenomics $LUMIN ✔️ low insider distributions ✔️ ai driven credit scores ✔️ fully doxxed team Pls follow @LuminalProtocol
few contenders: - crypto neobanks - yield apps - polymarket - stablecoin payment apps - consumer DePIN - identity & reputation primitives
The week the meds went up again, Chinedu already knew how to get USDC. That wasn’t the problem. He’d used P2P before. He knew how to swap naira to USDT, then back. The issue now was simple and brutal, there was nothing to swap. No savings. Salary delayed. Landlord already…
In my Georgetown MBA class of 200+ students, I was the only one who wanted to start a crypto facing business. What this tells me: 1) were still early 2) the space is filled with a closed loop circle jerk of devs 3) the same people are rug pulling you over and over again
Closd loop incentive systems rarely work in crypto because value leaks out of the system instead of re enforcing trust. Luminal takes a differnt path. Governance feeds borrowrs, not insiders. Seat bidding creates a constant inflow of tokens into the Borrower Rewards Tresury,…
Most tokens are built for speculation. $LUMIN was engineered for greatness. Be a part of greatness and follow @luminalprotocol The world deserves a financial system that rewards trust, not punishes the poor. Utility (8/10) Because in Luminal, doing the right thing matters. A…
Much of the world has poor financial infrastructure. This means that GOOD people don't have access to financial services that people in the west take for granted. How can this happen? It's not easy to pinpoint causality. But there are many leading reasons, such as: 1) Government…
Luminal Protocol is simple. Insurers cover Lenders; Lenders lend to Borrowers; Borrowers pay premiums to Insurers and principle + interest to Lenders. Insurers -> Lenders -> Borrowers -> Lenders & Insurers Insurers stack yield upwards to 35%; Lenders stack interest; Borrowers…
Luminal Protocol is simple. Insurers cover Lenders; Lenders lend to Borrowers; Borrowers pay premiums to Insurers and principle + interest to Lenders. Insurers -> Lenders -> Borrowers -> Lenders & Insurers Insurers stack yield upwards to 35%; Lenders stack interest; Borrowers…
How to earn 35% yeield from one stack with @LuminalProtocol Luminal’s Quintuple Yield Stack (QYS) allows a single user holding 100 $SOL to earn from five different yield sources simultaneously , all while the assets stay non custodial in the user’s own wallet. Every yield…
This will be a HUGE unlock for #DeFi. @luminalprotocol is going to be the next @aave (but better)...Anything less is a failure
We're using zero knowledge decentralized identification to not only satisfy privacy but also security. One zkdid = one person = one wallet = one lifetime. Uncollateralized lending is loading...
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