MultichainZ introduces a groundbreaking omnichain credit system that addresses a longstanding issue in DeFi: the inability to move credit across chains, which has historically fragmented liquidity. Unlike traditional DeFi systems that require separate credit structures on each blockchain, MultichainZ abstracts the credit layer, allowing users to establish credit on one chain and utilize it on another without bridging assets. In practical tests, users can supply ETH as collateral on one chain and borrow stablecoins on another, bypassing the need for asset bridging and reducing friction. This innovation ensures that MultichainZ moves credit, not assets, enhancing efficiency and liquidity. The protocol's sustainability is underpinned by a dynamic interest rate model and governance-controlled risk parameters, rather than short-term incentives. Governance token $CHAINZ plays a crucial role, with holders deciding on risk parameters, new chain integrations, and reward distributions, ensuring the protocol's secure expansion to real-world asset scales.