RaiseR is a platform that enables permissionless credit issuance and secondary market liquidity through RaiDEX. Borrowers can access capital without the need for collateral by leveraging their on-chain creditworthiness. Lenders can evaluate borrowers' creditworthiness through on-chain credit scoring and engagement with borrowers' communities, fostering accountability. Each borrow on RaiseR is tokenized, creating a zero-coupon bond market that allows lenders to access liquidity before maturity and enables speculators to participate in a genuine credit market. The platform's native token, RZR, fuels the ecosystem and is burned as a fee in every transaction. It is used for creating issuances, funding any transactions on RaiDEX, and serves as an anti-spamming measure. Additionally, acquiring veRZR, the platform's governance token, requires holding RZR.