Wing Finance is a decentralised, credit-based lending platform built on the Ontology blockchain, designed to make decentralised finance (DeFi) more accessible and inclusive. Originating in 2020, Wing Finance aims to address issues of over-collateralization commonly found in DeFi markets by leveraging a credit score model that assesses user creditworthiness. The platform facilitates a wide range of lending and borrowing activities for cryptocurrencies, enhancing liquidity and capital efficiency. Distinguished by its unique cross-chain interactions and decentralised governance, Wing empowers its community members to partake in decision-making processes through its native utility token, WING. This token is vital for the operation of the Wing DAO, incentivizing participation, voting on protocol developments, and earning rewards. By prioritizing security and innovation, Wing Finance fosters an ecosystem where users can engage in financial services with reduced risk and improved transparency.