Teller is a blockchain-based protocol that facilitates decentralized lending and borrowing of digital assets without the need for over-collateralization. Its core innovation is integrating real-world credit data (like credit scores) into DeFi to assess a borrower's creditworthiness, enabling under-collateralized and unsecured loans. Founded to bridge the gap between traditional finance and decentralized finance, the protocol allows lenders to deposit assets into liquidity pools and earn interest, while borrowers can access loans based on their on-chain and off-chain financial history. Teller operates as a non-custodial platform, meaning users retain control of their funds.