Introducing Term V2: The next layer of fixed-rate DeFi.... Term V2 brings a peer-to-peer order book and atomic execution layer. With Term V2 live, the complete experience of Terminal 1 — an interface and routing system for fixed-rate markets— is unlocked. Users can express fixed-rate terms while capital stays productive, then route and execute positions in a single transaction. True fixed-rate, fixed-term markets, made executable. What’s live ↓show more

Predictability, now in your hands Introducing Morpho Fixed Rate... Markets on the new Markets App Lend and borrow directly from fixed rate, fixed term marketsshow more

The missing piece for onchain finance is here Fixed... rate, fixed term credit markets Morpho Midnight is liveshow more

DeFi has always run on variable rates. The next... unlock is fixed-rate, fixed-term lending onchain. Paul Frambot 🦋, co-founder and CEO of Morpho 🦋, joined DeFi Drip at the Real-World Asset Summit in Cannes. - The DeFi Mullet, and how Morpho became the backend for major earn products - Why fixed-rate, fixed-term lending is the unlock for institutional capital - RWAs as Morpho's fastest-growing collateral category: treasuries, credit, and indices Watch the full episode ↓show more

For Paul Frambot 🦋, variable-rate lending fails the basic... test of a true financial primitive: “If you have variable rate, what does it vary on?” “The answer is that it’s arbitrary. You rely on something to say what is the rate, which makes it not a primitive.” “A primitive does not rely on anything for its existence.” “Fixed rate, fixed term is the right primitive for financing. It is the true and the only true primitive.”show more

Term points are now live! Join the first fixed-rate... lending protocol to surpass $100M in volume. Stack points with , ether.fi, , and more soon (™️). Season 1 ends in Q4 with a 2x boost for the first 500 users. Details below🧵show more

Thousands of tokens, NFTs, and TCG cards on Solana... now have access to a worldwide, permissionless credit desk. Jupiter Offerbook is now in Public Beta, which means you can borrow against anything at a fixed rate and for a fixed term. Offerbook is different from every lending protocol you've ever used. Here's how it works:👇show more

You experienced Term Auctions, you’ve signed the Blue Sheets,... now it’s time to enter the Vault. Term Strategy Vaults are built on yearn V3, and are automated to make fixed-rate lending effortless. - Pick your strategy - Deposit your funds - Secure predictable yields Everything is audited, automated, and available for any user. Welcome to seamless DeFi, with Term. Let’s dive deeper 🧵 1/ What are Term Strategy Vaults? They’re automated DeFi tools that make fixed-rate lending effortless. Built on yearn V3, these vaults simplify liquidity management, reinvest earnings, and optimize risk-adjusted yields for passive investors. 2/ How does it work? Funds are re-balanced across lending positions while maintaining prudent portfolio risk controls: ▫️ Participate in Term Auctions & Blue Sheets. ▫️ Focus on fixed-rate lending = capital efficient and consistent yields. 3/ Why choose Term Strategy Vaults? 🔹 Automated lending + strict portfolio controls 🔹 Stable, reliable yields 🔹 Professional risk curation 🔹 Non-custodial + verifiable on-chain 4/ No expertise required! You deposit $USDC, $wETH, or other supported assets, and the vaults handle the rest. It's DeFi lending made simple. 5/ How secure is it? ☑️ Term Vaults are non-custodial. ☑️ Funds are locked in immutable smart contracts. ☑️ Protected by strict smart contract-enforced constraints. ☑️ Third-party audits reinforce safety. Your funds, your control. 6/ Who can benefit? Passive lenders who want set-it-and-forget-it lending. Yield hunters tired of inefficiencies in floating-rate protocols. Risk-conscious DeFi users who want professionally curated and tailored strategies, not a one-size-fits-all approach. 7/ Getting started is easy: > Pick a strategy based on your risk preference. >> Deposit your assets. >>> Relax while the vault optimizes yield. Why work harder when you can let your money work smarter? Start your Vaults journey →show more

EXCLUSIVE: Morpho 🦋 CEO Paul Frambot 🦋 on how... Morpho Midnight is new infrastructure for institutional private credit. This week, Morpho launched Midnight, which enables fixed-rate, fixed-term onchain lending, starting with one cbBTC/USDC market on Base across multiple maturities. This is unlike most DeFi today, where protocols like Aave and Compound set your risk, rate, and term using their formulas. This is not ideal for large institutions with their own risk appetite. Morpho 🦋 Midnight hands risk, rate AND term to the open market, so investors can set their risk appetite, and borrowers can apply to meet that in the marketplace. Lending on Midnight means buying a claim on future cashflows, where you pay 0.95 today, receive 1.00 at maturity. The difference (discount) is your rate as a lender. That's exactly how a zero-coupon bond works, the primitive bond markets are built on. Some other nuances that came out in the interview Prior fixed-rate protocols split liquidity into a pool per maturity, so markets stayed thin and most died. This is how a bond desk runs a book. Morpho aims to ensure liquidity isn't fragmented into individual pools. It offers source funds only at fill, and one balance sheet can quote fixed rates across all maturities at once. So you quote once in many places. The fees are capped in the code with settlement at 50bps a year, a lender fee at 1%, and governance can *never* raise them. Infrastructure that can't reprice you is infrastructure a treasurer can underwrite. Wall St is coming to these DeFi protocols For example, Apollo (roughly $940bn AUM) is contracted to buy up to 9% of MORPHO supply over four years. So I sat down with Paul Frambot, Morpho's CEO, days after his most ambitious launch yet. DeFi lending reached tens of billions without a single maturity date. Now we find out what it builds with one.show more

Gold Loan on your mind? Still double-checking the rate?... You don’t have to anymore! Get quick disbursal of Gold Loan at ICICI Bank with a fixed and transparent interest rate. Watch as Priyamani gets her Gold Loan in no time!show more

Fresh HUGE update of Sl8 apps is available in... App Store and Google Play 😍 Patch Notes - Fixed avatar disappearing when editing profile data - Added support for YouTube links in the main image carousel - Fixed auto-triggering translation in feed without user interaction - Fixed missing or untappable “Add Asset” button in the asset info modal - Wallet balance now refreshes automatically after token exchange - Fixed staking entries showing under “Active” even after completion - Fixed and refactored authorization requests - Fixed corrupted post/comment data in certain cases - Fixed issue where users were logged out after app restart when biometrics were disabled - Fixed deeplink handling issues - Improved cropping and preview logic for profile cover image - Added comment flag to API to mark when a user comments under their own post Also, Search Fixes: - Improved input handling: search now waits for user to finish typing before executing - Fixed issue (“Something went wrong”) during search with no way to recover - Fixed “Something went wrong” error when scrolling through search results Sl8 Wallet updated as well: - USD value for assets is now displaying correctly - Transaction history is now available, finally - There is now a calendar of payments by stakings. Each steakings has a payment schedule and additional information. - Live balances, equivalents and exchange rates updates - Now you can add/remove assets, see recommended assets and have an ability to search* by domain/name of asset - Now you can add wallet address to address book, while sending funds - 24h trend markers and asset exchange rate are now visible nearby each asset - Now you can see extended staking information - Also, rewards schedule with transaction links and statuses now available Stay with us, buckle up))show more

You can see how people of the Muslim community... entrap Hindu girls and carry out "Love J!had" with them. These jihad!s have even fixed a "rate card" for Hindu girls… When will Hindu girls understand this?show more

🎙️New pod just dropped! I sit down with my... old friend Stani, Founder of Aave Labs, to deep dive into Aave v4 and its biggest updates compared to v3. This is Ep. 1 of a new series where I analyze the evolving architecture of onchain lending markets and their impact on DeFi. Just as onchain spot trading evolved from p2p models like EtherDelta to pooled AMMs like Uniswap v2—and now to modular designs like Uniswap v4, built as lower-level protocols for sophisticated actors to run custom strategies without fragmenting liquidity—lending is following a similar path. ETHLend struggled to scale its p2p fixed-rate lending approach and lacked sophisticated actors building on top of the protocol to abstract this complexity. Aave v1 introduced pooled liquidity, making it easier for retail users to borrow and lend using the same strategy dictated by the Aave DAO. Now, Aave v4 marks a new phase: a modular hub-and-spoke design for deploying bespoke credit markets. 🧩 Hubs = Capital allocators that determine rates & provide credit lines 🛠️ Spokes = isolated, configurable lending strategies that draw capital from a Hub Use cases range from RWAs to fixed-rate credit to looped LP vaults (e.g., strategies pioneered by Arrakis on Uniswap v3 + MakerDAO). Critically, Aave evolves from a vertically integrated DAO—the sole allocator of protocol capital—into a permissionless platform where institutions (e.g., BlackRock) and DAOs can co-allocate capital alongside Aave itself. This is the beginning of a modular credit layer for all of DeFi. 🎧 Listen here: 📺 Watch here: 📖 Aave v4 proposal:show more

✨ Earn more with Dual Invest ✨ Capture opportunities... in sideways markets and earn up to triple-digit reward rates for $BTC, $ETH, and $USD on the Exchange* 🎯 Select your target price and term 🔒 Lock in your reward rate ✅ Earn regardless of market movement Try It Now:show more

$Soil is bridging the gap between traditional finance &... #DeFi through #RWA 👀 We bring corporate debt & fixed income markets to crypto to offer a safer and higher (up to 14%) yield with $USDC 🏦 Time to experience the synergy of traditional assets & blockchain innovation. 🔐show more

I just shipped Kaku v0.4. Kaku is a fast... macOS terminal with great defaults, built for AI coding. Zero config. Just open it and work. What’s new • kaku ai: manage AI tool configs in one place, less OAuth pain. • lazygit: Cmd Shift G, instant git UI in terminal. • Faster macOS: WebGpu default, memory about 200MB down to about 80MB. • Splits: active pane marker, cleaner split lines. • Controls: Cmd W fixed, Cmd Opt Arrow jumps panes. • Shell: smoother init and updates, better Tab completion. • SSH and 1Password: TERM fixed, fewer auth failures.show more

The control system reconstruction is complete. I've fixed a... lot of bugs and made optimizations across various aspects, including operation feel, frame rate, and more.Regarding the previous suggestion about whether to hide the HUD: after testing with shooting mechanics, the current conclusion is that the HUD will only be hidden when the gun is holstered. It will remain visible while the player is holding the gun. #indiegame #IndieGameDev #gamedev #indiedev #unity3d #ゲーム開発 #武装JK #ProjectJKshow more

I spoke with Maple's Sid Powell (Sid Powell 🥞... ) and Paul Frambot 🦋 of Morpho about where institutional crypto lending is heading, why DAOs struggle to move fast, and what the DeFi mullet model really requires to work. Don’t miss it! Timestamps: 🏦 0:58 What makes Maple Finance a hybrid between CeFi and DeFi lending 🌾 3:37 How Maple's Syrup stablecoin generates yield from institutional loans 🤝 7:14 Why Ethena proposed using Maple as a backing asset for USDe 🏛️ 11:43 How institutional interest in crypto has held up despite the bear market ⚙️ 18:05 How Maple thinks about multi-chain deployment and Ethereum vs. Solana 🗳️ 22:25 Why DAO governance creates tension with moving nimbly as a business 🦙 35:24 How Morpho powers Coinbase's DeFi lending with a Web2 user experience 🔄 49:27 Why Morpho V2 introduces fixed-rate, fixed-term lending to DeFi 🏗️ 59:52 How Morpho's foundation-only structure avoids the DAO governance trap 🤖 1:05:28 Why Morpho uses formal verification, not just AI, to defend against smart contract hacksshow more

The Oscar Winning writer & director Peter Farrelly was... asked, Do you get writer's block? “Writer's block is my natural state,” he said. “Everyday I sit down and go, ‘I got nothing.’” Then he forces himself to write. “I always say, ‘I’d rather write shit than nothing.’ Because with shit, you got something to work with. You can make it less shitty and then not horrible and then decent and then pretty good and then good and then very good and then excellent. But you gotta start with shit.” Everyone does, Farrelly continues. “When you read a book or a screenplay and think, ‘Wow, I could never do this.’ Well don’t forget: that person didn’t start with that. They started with shit—that they fixed and fixed and fixed and fixed and fixed and fixed and fixed and fixed and fixed and fixed and fixed and fixed.” Takeaway 1: Pixar co-founder Ed Catmull writes in Creativity, Inc, “Early on, all of our movies suck…I choose that phrasing because saying it in a softer way fails to convey how bad the first versions of our films really are.” Catmull repeats, “Pixar films are not good at first, and our job is to make them go, as I say, ‘from suck to not-suck.’” It's true: Everyone starts with shit—that they fix and fix and fix and fix and fix and fix and fix and fix and fix and fix. Takeaway 2: Farrelly says that everyday when he sits down to write, he initially feels blocked. Still, he forces himself to write and soon, “you start feeling good.” I wrote recently about what I say to myself before I read or write: “Accept the initial agitation.” It comes from Dr. Andrew Huberman, who explains: When you begin working on something, “the brain circuits that turn on first are of the stress system.” Meaning: “The agitation and stress that you feel at the beginning of something is just a recognized gate...There is a gate of entry. You have to wade through some sewage before you can swim in clear water. That's the way I always think about it.” The block is a “natural state,” as Farrelly said. It’s just a recognized gate. Force yourself to wade through it, and soon, you'll start feeling good. - - - “I always say, ‘I’d rather write shit than nothing.’ Because with shit, you got something to work with.” — Peter Farrelly Follow Billy Oppenheimer for more content like this!show more