ListaDAO has introduced Lista Credit, an unsecured short-term microloan product on the BNB Chain. The service evaluates users' creditworthiness based on their on-chain activities, such as engagement with DeFi protocols, use of Binance MPC wallets, and asset diversification. Eligible users can access loans up to $50 without collateral. The loans carry no interest but incur a 15% fee. Borrowers must repay within 14 days, with a penalty for delays over three days. Timely repayment within seven days may result in a refund of the fee and potential LISTA token rewards.