Christopher Brookins is the co-founder of RociFi, a new DeFi primitive for under-collateralized lending. In order to borrow on RociFi, users must mint an ERC-1155 token, NFCS (Non-Fungible Credit Score). The NFCS proves ownership of the address bundle that the borrower wishes to be credit scored. The NFCS operates as on-chain reputation and credit score.
Source: https://bravenewcoin.com/insights/podcasts/rocifi-a-new-defi-primitive-for-under-collateralized-lending