Andre Cronje, director of the Fantom Foundation and now CTO of Sonic Labs, has published an article "Credit Score, Defi, and Sonic". As Sonic's release approaches, Andre Cronje believes it will break through some technical hurdles, specifically: Extremely low latency, down from 12 seconds for the fastest competitor to 700 milliseconds. Consensus in Sonic is as fast as information travels through the network, and is final once it travels; True finality, allowing applications to be synchronized for radically different user experiences and interactions. Gas subsidies eliminate the requirement that users must have gas funds in their wallets, thus eliminating a very common barrier to entry for users. The native account abstraction, which no longer requires users to store their private keys but uses the standard authentication methods they are accustomed to, removes another key barrier to entry. Gas monetization adds a valuable revenue stream to developers who don't necessarily want to develop financial applications. Sonic will eventually provide a simple scoring mechanism for any address. No KYC required, no personally identifiable information required, and completely private. While any company, blockchain, or dapp can use the above features, Sonic will be the first native integration to allow direct on-chain access to wallet scoring, making it the first to give developers access to a potential $11 trillion market.