Lending money in DeFi is inherently risky, particularly when Borrowers are anonymous and suffer no real-world consequences to defaulting on their loans. To navigate this risk, conventional DeFi lending platforms generally require all loans to be over-collateralized regardless of who the Borrower is. In doing so, Borrowers are incentivized to repay, or else the collateral will be sold on their behalf with a penalty. ARCx Credit, on the other hand, treats every Borrower as an individual, and extends personalized collateralization requirements based on the DeFi Credit Score.