These are two different projects:
- Tokenizer (https://zerocollateral.eu) : It accepts liquidity with the possibility of withdrawal at any time or with an expiry date at a higher percentage. liquidity is used by staking among validators. furthermore, blocked liquidity can be released at the current interest rate or managed separately between principal and interest (multi token)
- ZeroCollateral (https://test.zerocollateral.eu): It accepts liquidity and allow borrows even without providing any collateral. various precautions are used to protect those who supply liquidity. Borrowers who do not repay on time receive a BadPayer NFT in their account or account locker. APIs are available for all other dApps to limit the operation of accounts that do not repay loans. (dynamic rates)