> For the complete documentation index, see [llms.txt](https://avano.gitbook.io/azos/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://avano.gitbook.io/azos/roadmap/uncollateralized-loans/establishing-credit.md).

# Establishing Credit

[Union Finance](https://docs.union.finance/) is the leading organization that has developed a credit mechanism on chain. It utilizes social networks to establish credibility of a borrower. People that vouch for a borrower, could have a percent of their funds lost if the borrower defaults. After the launch of our token, we will be building a community. This community will be tied to environmental projects throughout the world. We will collaborate with Union Finance to establish a way in which we can establish credibility of borrowers for environmental projects.

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