“Defaults are bizarre course on this asset class and critically vital to refining threat parameters and pricing over time,” Roshan Dharia, head of lending at Archblock, a core TrueFi contributor which oversees borrower relationships on the protocol, instructed CoinDesk. “We now have traditionally been closely targeted on borrower counterparty threat, asset composition and liquidity profile. These diligence gadgets stay the very best precedence as we face continued macro headwinds and a protracted bear market.”