Lucia operates as a non-custodial lending and borrowing protocol, aimed at furnishing individuals and startups with access to credit based on a foundation of trust. The protocol offers borrowers the opportunity to obtain credit, underpinned by a comprehensive credit assessment through on and offchain attribution re-defining credit score processing, and leading to competitive collateralization rates. Upon successful evaluation, borrowers can secure funds, with the potential to borrow up to 100% against their collateral holdings.