PANews April 23 news, according to Blockworks, researcher Anastasiia and others proposed in the paper "Vault as a credit instrument" that DeFi lending vaults are currently managing real user deposits but lack a unified credit risk assessment standard. The study proposes five core indicators to measure risks under different "mechanical loss channels" and constructs a vault credit scoring system. The paper emphasizes that on-chain execution characteristics (such as oracle bias, liquidation failures, and congestion risks) break the assumptions of traditional financial credit models and require the introduction of new risk quantification methods. This framework combines on-chain data, parameter identification, and stress testing mechanisms, aiming to enhance DeFi risk management and transparency standards.

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