According to @LexSokolin, uncollateralized DeFi currently mirrors traditional finance but could evolve into AI-driven credit where agents underwrite loans in milliseconds, predictive models replace collateral, and behavioral economics executes on-chain, source: Lex Sokolin on Twitter, Dec 20, 2025. For traders, this thesis highlights on-chain credit and AI-in-DeFi infrastructure as areas to monitor as the primitive exists and enabling infrastructure is coming, source: Lex Sokolin on Twitter, Dec 20, 2025.