# 1. Innovative Lending Products

In Q4 following the official launch, RAI will introduce a suite of next-generation lending products designed to offer users more flexible and efficient financial services. Key features include:

* **Unsecured On-Chain Lending**\
  RAI will enable unsecured loans based on user credit scores, calculated via on-chain data analytics powered by AI. This lowers the barrier to accessing capital and broadens financial inclusion within the ecosystem.
* **Collateralized Token Lending**\
  Users can borrow by collateralizing digital assets such as RAI tokens or RWA tokens (representing real-world assets). This allows them to retain exposure to their assets while accessing liquidity for other investments or use cases.
* **Cross-Chain Lending**\
  Through cross-chain protocols, RAI will support asset interaction and lending across multiple blockchain networks. For example, users can use an RWA token from one chain as collateral to borrow stablecoins on another, enhancing asset liquidity and investment flexibility.
* **Flexible Repayment Mechanisms**\
  RAI will offer customizable repayment plans to suit various borrower profiles. Users can choose between fixed or flexible schedules, with AI-powered optimization that tailors repayment timelines to individual cash flows.

These innovative products are designed to elevate the borrowing experience and drive deeper engagement with RAI’s DeFi ecosystem.
