DeFi fixed rate lending & borrowing and looping strategy. Backed by @CumberlandSays, @HashKey_Capital, @decimafund, and @MZ_Cryptos. Intern @termmax_intern
Ethereum
Joined November 2022
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A stronger stablecoin foundation could open the door to more developed onchain credit markets over time.
.@USComptroller Jonathan V. Gould: Today’s final rule advances @POTUS Trump’s and @SecScottBessent’s vision for American leadership in digital assets. We are providing a clear, practical framework for payment stablecoin innovation, with strong standards for reserve backing, redemption, and risk management. The OCC is drawing on its longstanding supervisory expertise to support responsible growth and innovation for this new industry. occ.gov/news-issuances/news-…
ALT OCC Advances U.S. Digital Asset Leadership with Final Rule to Implement GENIUS Act
APY is only one part of the picture.
Collateral quality, liquidity, and how risk is managed deserve just as much attention.
Crypto vaults, which pool money to earn yield through lending, now hold more than $10 billion, and regulators are starting to ask questions.
@scottmelker breaks it down 👇
A fixed rate tells you what to expect.
A fixed maturity tells you when.
Predictability matters in lending.
A little reminder 🐬
Fixed rates aren't here to replace variable rates.
Both have their place in DeFi lending.
It's not about which is better. It's about what fits your needs. 💁
Quick Friday poll 🐬
What matters most when you borrow in DeFi?
26%Predictable rates
33%Low borrowing costs
14%Flexible repayment
28%Low liquidation risk
43 votes • Final resultsFixed-rate lending and borrowing are getting some serious attention lately.
As they should. No cap. 😎
Your limit orders don’t have to mean idle capital.
Your lending limit orders now earn floating-rate yields from @gauntlet_xyz's @morpho vault before being taken.
1️⃣ Place a limit order
2️⃣ Earn floating rate yield
3️⃣ Earn fixed rate on the matched amount
Try it on Ethereum, @Base, or @Berachain 👇
app-v2.termmax.ts.finance?ut…
Variable rates built early DeFi lending.
Fixed rates are becoming part of the next chapter.
𝗧𝗲𝗿𝗺𝗠𝗮𝘅 𝗔𝗽𝗽 𝗩𝟮 𝗶𝘀 𝗹𝗶𝘃𝗲.
One app. Every chain. Every order.
app-v2.termmax.ts.finance/
Here's what changed and why it matters 🧵
1/6
An Update on TermMax Alpha
Dear TermMax Community,
Today, we want to share an important update regarding TermMax Alpha. After careful consideration, we have decided to pause TermMax Alpha.
When we built Alpha, the idea was simple but ambitious: to bring fully on-chain options to emerging assets, starting with Binance Alpha tokens.
As the product evolved, that vision expanded to a broader range of emerging and tokenized assets. Over the past months, Alpha saw meaningful participation from the community and real usage across different assets, offering users another way to express market views and contributing to price discovery alongside spot and perpetual markets.
At the same time, operating a fully on-chain options market comes with structural challenges. It relies on sufficient liquidity and participation on both sides, which can be difficult to sustain consistently across different assets. Building deeper and more stable on-chain liquidity takes time and resources.
Given these challenges and the resources required to maintain the experience we expect, we believe pausing Alpha is the right decision at this stage.
This is not a decision we made lightly.
We still believe in what Alpha set out to explore, and we value everything we learned from building and operating it. When the conditions are right, we hope to revisit Alpha and bring back an even stronger experience.
To everyone who traded, shared feedback, reported issues, or simply gave Alpha a try, thank you for being part of the journey. 🙏
Note: The Leaderboard has also been updated accordingly, with the Alpha-related Mark removed.
All other Leaderboard features remain unchanged.
Tokenized assets are finding deeper utility across DeFi.
As the market matures, fixed-rate markets will have a growing role to play.
