undercollaterized stablecoin lending based on your credit score. 

when?

not what you're describing but maybe interesting is laurence day (and others) new protocol in the works:

Front toward enemy. @seyitaylor on twttr. 

not what you're describing but maybe interesting is laurence day (and others) new protocol in the works: https://wildcat.finance/

building /juicebox | product marketing & growth | prev. NounsDAO, RAW DAO | learning to code

yeah I know wildcat. Also a very very cool idea. But meant for institutions if memory serves