[Founder of Aave: Aave's mental model can be the backbone of any real-world credit] Golden Finance reported that Aave founder Stani Kulechov said in response to Vitalik's comments, "The mental model about Aave is that it can be the backbone of any real-world credit. I see the way credit grows on Ethereum is through local/global examples. Local: Tokenize credit based on local qualifications (such as local credit institutions, ORCA, etc.), and new innovative ways of facilitating. This is where actual people (or AI agents) get funds. Global: Use these tokenized credits as collateral in Aave to unlock value in order to provide more loan funds to more people in the local category. This is where funders get pillar liquidity. This model can be applied to a variety of credit scenarios, whether it's lending within the community or lending on Wall Street. It could become the most transparent, resilient and accurately priced credit market."