1️⃣ Background: The Unique Challenge of DeFi Lending
Lending and borrowing protocols are at the heart of decentralized finance — but they face a recurring operational challenge:
users focus on yield, not risk.
In many cases, new participants:
- Fail to monitor their health factor or collateral ratio.
- Don’t understand liquidation thresholds.
- Treat borrowing limits as “free leverage” instead of “controlled exposure.”
This knowledge gap leads to poor user decisions, forced liquidations, and unstable protocol health — ultimately hurting both users and project TVL stability.
2️⃣ The Problem: Risk Education ≠ User Retention
While traditional DeFi education campaigns (articles, AMAs, tutorials) help, they don’t always change behavior.
What lending projects need is a system that:
- Rewards users for responsible behavior,
- Measures their risk awareness, and
- Automates ongoing education through gamified interaction.
That’s where TaskOn comes in.
3️⃣ The Solution: Using TaskOn to Gamify Risk Awareness
TaskOn’s Quest Engine allows lending protocols to create interactive missions that teach users through action, not just information.
Each mission can include both on-chain and off-chain tasks, guiding users step-by-step through healthy lending behaviors.
Example: The “Healthy Borrower Journey”
| Step | Task | Objective | Reward |
| 1 | Connect wallet + check Health Factor | Introduce risk metric | +5 Points |
| 2 | Simulate a safe borrow (LTV < 50%) | Encourage responsible use | +10 Points |
| 3 | Adjust collateral ratio | Learn to manage risk | +15 Points |
| 4 | Read liquidation tutorial (Quiz) | Test risk awareness | +10 Points |
| 5 | Complete on-chain transaction under target Health Factor | Validate learning | +20 Points |
4️⃣ Case Example: Using TaskOn to increase Lending Transactions.
Goledo, an incentivized Lending Protocol on Conflux, uses TaskOn to improve Lending transactions by adding a ‘Proof of Work’ task. This means that when the user completes the task, they can upload a screenshot, requiring the project to confirm manually.
The project clearly states the requirements to complete the task, and have attached a guide to ensure that users get it right.
Outcome:
- 1000 users completed at least one “lending” quest
- 65% completed the tasks upon discovering
5️⃣ Example: Using TaskChain to educate
Projects can use TaskOn’s TaskChain feature educate users about their lending protocol, exact steps on how to use and areas to be careful for. Through videos, text or articles, users are easily able to follow instructions, learn and use your platform, increasing OnChain activity.
This creates a dynamic risk education loop:
Learn → Practice → Get Scored → Improve → Earn Rewards
6️⃣ Why This Works: Behavior Change Through Gamified Education
Unlike traditional tutorials, TaskOn turns every interaction into measurable, rewarded learning.
- 🎯 Behavior-driven Learning: Users “learn by doing” instead of passive reading.
- 🧠 Risk Awareness Scoring: Encourages long-term healthy habits.
- 💎 Protocol Stability: Fewer liquidations = more stable TVL and user trust.
- 🧩 Data Feedback: Projects can analyze user actions and refine campaigns in real time.
7️⃣ TaskOn’s Support for Lending Scenarios
| TaskOn Feature | Lending Application |
| On-Chain Verification | Track borrow/repay/health factor via smart contract |
| Custom API Verification | Integrate with protocol’s risk engine for accurate scoring |
| Points & Risk Score | Reward responsible users, penalize risky ones |
| Leaderboard | Rank “Smart Lenders” and showcase top responsible participants |
| Educational Quests | Combine tutorials + quizzes + on-chain simulations |
| DayChain Automation | Encourage daily monitoring behavior (e.g., “Check your Health Factor for 7 days”) |
8️⃣ Best Practices for Lending Projects on TaskOn
✅ Create a multi-step QuestChain: awareness → action → reward
✅ Integrate API-based verification to measure true risk metrics
✅ Use Risk Points instead of general points to separate responsible users
✅ Include positive & negative feedback (rewards vs cooldowns)
✅ Host community recap threads showcasing success stories
9️⃣ Results & Takeaway
By embedding education into interaction, TaskOn helps lending protocols turn risk management into a retention engine.
🎯 Users stay longer.
💡 Protocols grow safer.
⚙️ Data becomes actionable.
In short: TaskOn transforms lending from “earn & forget” into “learn & sustain.”
✳️ Ready to Build Safer Lending Communities?
Empower your users to borrow smartly — and protect your protocol’s health.
→ Launch your Lending Risk Quest today on TaskOn.xyz