TrueFi offers a method of decentralized lending that is uniquely collateral-free. Instead of having users put up collateral for their loans, they use their automated, market-driven credit rating and lending protocol.  Truefi gives borrowers the chance to exit at any time, competitive returns, transparency, and publicly verified and legally-bound borrowing. Their governance token (TRU) allows users to control the protocol, approve borrowers, and have a say in treasury and partnership decisions.