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Lending is one of DeFi’s killer apps In this week’s Work in Progress, Jack Longarzo Jesse Walden and I discuss the evolution and trade-offs in lending protocols: from pooled liquidity —> isolated markets —> modular, open design Plus, what it means for builders and new users

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Alana Levin

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35,030 görüntüleme • 11 ay önce •via X (Twitter)

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DeFi proved the technology works. Now the bigger question: can it rebuild how credit, liquidity, and risk move through markets? At Summit, Stani, founder of Aave, will unpack DeFi’s next leap forward. Tickets: Stani founded ETHLend in 2017 before launching Aave in 2020, now one of the largest and most trusted lending protocols in DeFi. Aave has continued to expand from lending markets into broader credit infrastructure, including Aave V4, GHO, Horizon, and new ways for consumers and institutions to access onchain liquidity. Come to Summit to hear from one of DeFi’s original builders on how onchain finance can create liquidity where it has not existed before, from tokenized assets to private markets and beyond. Sept 16–17 | Chelsea Industrial, NYC
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DeFi proved the technology works. Now the bigger question: can it rebuild how credit, liquidity, and risk move through markets? At Summit, Stani, founder of Aave, will unpack DeFi’s next leap forward. Tickets: Stani founded ETHLend in 2017 before launching Aave in 2020, now one of the largest and most trusted lending protocols in DeFi. Aave has continued to expand from lending markets into broader credit infrastructure, including Aave V4, GHO, Horizon, and new ways for consumers and institutions to access onchain liquidity. Come to Summit to hear from one of DeFi’s original builders on how onchain finance can create liquidity where it has not existed before, from tokenized assets to private markets and beyond. Sept 16–17 | Chelsea Industrial, NYC

Avalanche🔺

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DeFi’s best feature is still composability - and we’ve barely used it. As aslan.sui explains: DeepBook Protocol on Sui is fully onchain, with flow routed in from aggregators + lending protocols sending liquidation flow through it. Add margin and you unlock even more liquidity streams.
0:37

DeFi’s best feature is still composability - and we’ve barely used it. As aslan.sui explains: DeepBook Protocol on Sui is fully onchain, with flow routed in from aggregators + lending protocols sending liquidation flow through it. Add margin and you unlock even more liquidity streams.

Sui

39,881 görüntüleme • 8 ay önce

SPK is now available on Revolut across the EU, and UK. This expands access to Spark through one of the largest consumer financial platforms in Europe. Spark is infrastructure for on-chain credit markets, allocating capital across lending markets and liquidity venues through a rules-based framework designed for predictable liquidity and transparent risk. Today, Spark coordinates over $11B in capital powering lending and savings activity across DeFi. More on Spark:
0:22

SPK is now available on Revolut across the EU, and UK. This expands access to Spark through one of the largest consumer financial platforms in Europe. Spark is infrastructure for on-chain credit markets, allocating capital across lending markets and liquidity venues through a rules-based framework designed for predictable liquidity and transparent risk. Today, Spark coordinates over $11B in capital powering lending and savings activity across DeFi. More on Spark:

Spark

10,299 görüntüleme • 4 ay önce

🎙️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:
37:14

🎙️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:

Hilmar

26,030 görüntüleme • 1 yıl önce

Lending is heating up. Real-world demand is here. Sam MacPherson (Co-Founder and CEO of Phoenix Labs) sat down with Merlin Egalite 🕛 (Co-Founder of Morpho Labs) to discuss: - What Ignition + Overdrive means for Morpho users - Why the cbBTC (Coinbase 🛡️) lending market is exploding - How Spark powers 80%+ of it - The key role both Morpho & Spark play in this rapidly growing market Don’t miss this one 👇
25:34

Lending is heating up. Real-world demand is here. Sam MacPherson (Co-Founder and CEO of Phoenix Labs) sat down with Merlin Egalite 🕛 (Co-Founder of Morpho Labs) to discuss: - What Ignition + Overdrive means for Morpho users - Why the cbBTC (Coinbase 🛡️) lending market is exploding - How Spark powers 80%+ of it - The key role both Morpho & Spark play in this rapidly growing market Don’t miss this one 👇

Spark

39,303 görüntüleme • 1 yıl önce

trUSD/USDC is live on Fluid 🌊 Smart Lending. What is different about this one: In an ordinary liquidity pool your inventory sits idle between swaps. Fluid lends the position into its liquidity layer at the same time, so it is pool liquidity and a lending position at once. What you earn: The lending rate Fluid's liquidity layer pays on the position, a share of the fees on swaps routed through the pool, and 30x Cores for supplying. The pool reads 2.13% today. trUSD does not accrue the strategy yield that strUSD does. This pool is a way to hold it and earn a rate anyway. Deposit one token or both, withdraw any time. Links below.
0:27

trUSD/USDC is live on Fluid 🌊 Smart Lending. What is different about this one: In an ordinary liquidity pool your inventory sits idle between swaps. Fluid lends the position into its liquidity layer at the same time, so it is pool liquidity and a lending position at once. What you earn: The lending rate Fluid's liquidity layer pays on the position, a share of the fees on swaps routed through the pool, and 30x Cores for supplying. The pool reads 2.13% today. trUSD does not accrue the strategy yield that strUSD does. This pool is a way to hold it and earn a rate anyway. Deposit one token or both, withdraw any time. Links below.

Tori Finance

10,342 görüntüleme • 20 gün önce

Enterprise PCs are entering a new innovation cycle. Olivier Blanchard 💬 sits down with Rob Bruckner, Zach Noskey, and Paul Doczy of Dell Technologies to discuss the new Dell Pro portfolio, accelerated roadmaps, modular design, and what the next generation of enterprise PCs means for IT teams and users.
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Enterprise PCs are entering a new innovation cycle. Olivier Blanchard 💬 sits down with Rob Bruckner, Zach Noskey, and Paul Doczy of Dell Technologies to discuss the new Dell Pro portfolio, accelerated roadmaps, modular design, and what the next generation of enterprise PCs means for IT teams and users.

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USD1 unlocks a new layer of capital efficiency onchain. In collaboration with WLFI, Edel opens new avenues for #USD1 across lending, liquidity, and structured use cases for tokenized equities. Utility is what drives adoption.
0:35

USD1 unlocks a new layer of capital efficiency onchain. In collaboration with WLFI, Edel opens new avenues for #USD1 across lending, liquidity, and structured use cases for tokenized equities. Utility is what drives adoption.

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Kick back and earn. Build and make it rain. Agents are coming soon! Your agents automate yield, lending, and execution across chains — proposing every action for your approval while your funds remain in your control. And here’s the kicker: Beacon isn’t a closed system. We´re building agent infrastructure. You will be able to deploy or connect any agent from any chain, fully permissionless. A new layer of autonomous AI for DeFi in the making, built for users, builders, and protocols alike.
0:30

Kick back and earn. Build and make it rain. Agents are coming soon! Your agents automate yield, lending, and execution across chains — proposing every action for your approval while your funds remain in your control. And here’s the kicker: Beacon isn’t a closed system. We´re building agent infrastructure. You will be able to deploy or connect any agent from any chain, fully permissionless. A new layer of autonomous AI for DeFi in the making, built for users, builders, and protocols alike.

Beacon

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Meet deRWA: a unique wrapper that creates freely transferable RWA tokens, purpose-built for DeFi. RWAs that move with the market. Loop. Swap. Save. Trade. This is how institutional-grade assets unlock real onchain utility. From collateral in lending protocols to yield in retail apps, deRWA brings assets to where the liquidity lives. First integrations coming soon. Learn more:
0:20

Meet deRWA: a unique wrapper that creates freely transferable RWA tokens, purpose-built for DeFi. RWAs that move with the market. Loop. Swap. Save. Trade. This is how institutional-grade assets unlock real onchain utility. From collateral in lending protocols to yield in retail apps, deRWA brings assets to where the liquidity lives. First integrations coming soon. Learn more:

Centrifuge

32,015 görüntüleme • 1 yıl önce

Stable, battle-tested yield is still hard to access without the headaches. In Rebind, it’s one tap. And under the hood? One of the most trusted DeFi lending protocols powers it. Say hello to Aave 🧵
0:29

Stable, battle-tested yield is still hard to access without the headaches. In Rebind, it’s one tap. And under the hood? One of the most trusted DeFi lending protocols powers it. Say hello to Aave 🧵

Rebind - Global euro account

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Today, we unveil Soul, redefining cross-chain lending and borrowing. Soul seamlessly interlinks diverse lending protocols and blockchains, enabling users to lend and borrow across platforms like Aave or Compound Labs and various networks, thus unifying liquidity and users' borrowing power. Distinctly, Soul does not rely on asset bridging or synthetics; it enables the lending and borrowing of native assets and leverages LayerZero Labs for seamless cross-chain communication. This omnichain approach unlocks new and limitless #DeFi strategies, establishing Soul as the ultimate solution for cross-lending dilemmas. Soul v1 will be permissionless, censorship-resistant, will have multiple fallback mechanisms to ensure redundancy, and will allow for a myriad of DApps to be built on top of it. Soul's vision aims to simplify user processes and amplify transparency, thereby restoring monetary control to its users. Rooted in cypherpunk values, Soul symbolizes digital freedom and autonomy in an era where these principles are increasingly essential. We have been carefully developing Soul in stealth mode for over a year now and already have a working prototype. Expect a detailed report in our first protocol update. [Web version now live: | Mobile and Tablet versions coming soon.]
2:30

Today, we unveil Soul, redefining cross-chain lending and borrowing. Soul seamlessly interlinks diverse lending protocols and blockchains, enabling users to lend and borrow across platforms like Aave or Compound Labs and various networks, thus unifying liquidity and users' borrowing power. Distinctly, Soul does not rely on asset bridging or synthetics; it enables the lending and borrowing of native assets and leverages LayerZero Labs for seamless cross-chain communication. This omnichain approach unlocks new and limitless #DeFi strategies, establishing Soul as the ultimate solution for cross-lending dilemmas. Soul v1 will be permissionless, censorship-resistant, will have multiple fallback mechanisms to ensure redundancy, and will allow for a myriad of DApps to be built on top of it. Soul's vision aims to simplify user processes and amplify transparency, thereby restoring monetary control to its users. Rooted in cypherpunk values, Soul symbolizes digital freedom and autonomy in an era where these principles are increasingly essential. We have been carefully developing Soul in stealth mode for over a year now and already have a working prototype. Expect a detailed report in our first protocol update. [Web version now live: | Mobile and Tablet versions coming soon.]

Soul Labs

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7:51

Cardano has a liquidity problem! A new design called the DeFi Kernel aims to fix this by turning Cardano into a single shared liquidity layer In this video, I break down the trade-offs & which model is actually better from a user perspective: The old DeFi model vs the new one

Linda

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JUSD Savings offers 10% APR, backed by Bitcoin ... but where does the yield come from? In a nutshell: • Users deposit $BTC as collateral • Take a loan in $JUSD and pay a lending fee on it • This lending fee then serves as the source of interest for the JUSD Savers earning 10% APR • The interest rate is variable and depends on supply and demand between borrowers and savers. ⚖️ Transparent. Sustainable. Juicy. 🍹
3:36

JUSD Savings offers 10% APR, backed by Bitcoin ... but where does the yield come from? In a nutshell: • Users deposit $BTC as collateral • Take a loan in $JUSD and pay a lending fee on it • This lending fee then serves as the source of interest for the JUSD Savers earning 10% APR • The interest rate is variable and depends on supply and demand between borrowers and savers. ⚖️ Transparent. Sustainable. Juicy. 🍹

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Why did Circle build Arc? At Arc Studio, the product team shared the vision for Arc as the Economic OS for onchain finance and what that means for builders. From interoperability to stablecoin-native infrastructure, Arc is designed to support real use cases across FX, lending, capital markets, and payments. If you’re building onchain, this is worth a watch.
12:36

Why did Circle build Arc? At Arc Studio, the product team shared the vision for Arc as the Economic OS for onchain finance and what that means for builders. From interoperability to stablecoin-native infrastructure, Arc is designed to support real use cases across FX, lending, capital markets, and payments. If you’re building onchain, this is worth a watch.

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The Open Robotics Lab is live. Apply now for your Access ID Level up your credentials, earn Bolts, and collect Badges when you: > contribute robotics work > participate in special subnet campaigns > refer new users Submit your application:
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The Open Robotics Lab is live. Apply now for your Access ID Level up your credentials, earn Bolts, and collect Badges when you: > contribute robotics work > participate in special subnet campaigns > refer new users Submit your application:

BitRobot 🦾

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