Aave founder: Aave's thinking model can become the backbone of any real-world credit

Aave founder Stani Kulechov said in response to Vitalik's comments, "The mental model about Aave is that it can be the backbone of any real-world credit. The way I see credit growing on Ethereum is through local/global examples. Local: Tokenizing credit based on local credentials (such as local credit bureaus, ORCA, etc.), and new innovative ways to facilitate. This is where actual people (or AI agents) get funding. Global: Using this tokenized credit as collateral in Aave to unlock value to provide more loan funding to more people in the local category. This is where funders get backbone liquidity. This model can be applied to all kinds of credit scenarios, whether it's lending within the community or lending on Wall Street. It may become the most transparent, resilient and accurately priced credit market."