It mostly came from China where they instituted a digital credit scoring system.
Following a plan, Chinese consumers can systematically upgrade credit ratings. It has become the rage and needed to be emphasized in sandbox.
The second reason for prequal is that it limits damage from protocol defaults in escrow. Traders do lose bearer cash and do fail to return principle, civil shoe leather for partial recovery ensues. Prequal minimizes damages and incentivizes traders to avoid violations.
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