ListaDAO has launched Lista Credit, a pioneering on-chain credit lending system that offers collateral-free financing options. This new DeFi protocol allows users to borrow funds based on their cash flow needs, moving away from traditional over-collateralization models. Lista Credit employs a token incentive mechanism to support repayments, enabling borrowers to lower costs through LISTA incentives. The system supports borrowing and repaying with the stable asset U, providing greater flexibility in fund usage. ListaDAO's initiative represents a shift from collateral-driven to credit-driven DeFi lending models, potentially expanding applications in consumer finance, operational financing, and cash flow management.