I just about risk program or something like that, it states that tokens will be used in this direction also.
Can you explain this a little?
Yep, sure!
The borrower is rewarded with CRET tokens, which they can use as a discount on the next loan. If the borrower fails to follow the loan conditions,
the tokens are sent to the lender. So, a lender can reduce its interest rate, deducting uncertainty risk, and be competitive on the platform.
That's it!
Simple as it is

.