> For the complete documentation index, see [llms.txt](https://docs.swivel.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.swivel.finance/swivel-v3.0.0/other-resources/institutions/delegated-credit/challenges-of-delegated-credit/credit-pools.md).

# Credit Pools

One option to support a solution similar to credit scoring would be for borrowers to be grouped into pools based on their reputational or credit scores. Lenders could inspect the scores and elect to loan to the pools which best met their risk tolerance and desired return. The pool could provide important benefits of risk reduction via diversification and presumably lower individual due diligence.<br>