TermMax | Fixed Rate Borrowing & Lending

DeFi fixed rate lending & borrowing and looping strategy.
Backed by @CumberlandSays, @HashKey_Capital, @decimafund, and @MZ_Cryptos.
Intern @termmax_intern

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

A stronger stablecoin foundation could open the door to more developed onchain credit markets over time.

[OCC @USOCC]

.@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. https://t.co/IWuIHnQQ0f

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

APY is only one part of the picture.

Collateral quality, liquidity, and how risk is managed deserve just as much attention.

[Yahoo Finance @YahooFinance]

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 👇

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

gmgm🐬
what's everyone doing onchain this week? 👀

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

A fixed rate tells you what to expect.
A fixed maturity tells you when.

Predictability matters in lending.

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

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. 💁

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

GM 🐬
New week. Same belief in fixed rates.

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

Quick Friday poll 🐬

What matters most when you borrow in DeFi?

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

Fixed-rate lending and borrowing are getting some serious attention lately.
As they should. No cap. 😎

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

Tokenization is scaling.
Utility is still catching up.

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

gm from🐬

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

Friday check-in: how are you spending the weekend?

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

Your limit orders don’t have to mean idle capital.

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

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 👇
https://t.co/JF2jnbzDag

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

Capital efficiency gets more interesting when collateral keeps working. 👀

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

Bringing assets onchain is one layer.
Making them useful onchain is another.

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

Tokenized assets, meet fixed-rate markets.

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

Variable rates built early DeFi lending.
Fixed rates are becoming part of the next chapter.

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

𝗧𝗲𝗿𝗺𝗠𝗮𝘅 𝗔𝗽𝗽 𝗩𝟮 𝗶𝘀 𝗹𝗶𝘃𝗲.
One app. Every chain. Every order.

https://t.co/oSmhM6ZOUn

Here's what changed and why it matters 🧵

1/6

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

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.

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

Tokenized assets, meet fixed-rate markets.

[Ondo Finance @Ondo]

Trillions in stocks will be tokenized.

440+ assets onchain, with more to come.

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

Friday night hits different when your rate is fixed.

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

Tokenized assets are finding deeper utility across DeFi.
As the market matures, fixed-rate markets will have a growing role to play.

[Token Terminal 📊 @tokenterminal]

Tokenized stock DeFi TVL increased 1,960.8% over the past year to $247.8M

Of this, $65.4M is deposited in Uniswap v4, $41.8M in Uniswap v3 and $43.1M in Kamino Lend

Liquidity provision and lending generate yield for depositors and revenue for the DeFi venues

[TermMax | Fixed Rate Borrowing & Lending @TermMaxFi]

What if fixed-rate markets came to Arc? 👀🐬

[Arc @arc]

Calling all Architects.

See you soon.