Term Labs

Pioneering fixed rate lending onchain

[Term Labs @term_labs]

DeFi infrastructure should be readable by anyone.

Term Finance, Terminal 1 contracts are now open source — and audited by @sigp_io.

If you're going to lock capital at fixed rates, you should be able to read what you're locking it into.

Full audit report is now public and verifiable:
🔗 https://t.co/hscygpqILo

View deployed contracts + transparency details:
🔗 https://t.co/gvr4letsNt

[Dion Chu @dionchu]

Fixed-rate lending is ultimately about commitment.

If users are locking capital into a rate and a term, the market structure should be inspectable end-to-end: contracts, risk assumptions, settlement mechanics, and audits.

Readable infrastructure is how DeFi earns trust.

[CRYPTO ASTRONAUT @CryptoAs_TW]

📢 Join us for an exclusive X Space AMA with @RootstockColl – a community-governed DAO that funds and grows Bitcoin-powered projects on Rootstock

👤 Spacial Guest: @term_labs Team

📅 Date: 5th June 2026
🕓 Time: 4:00 PM UTC
💰 Reward Pool: 100 RIF

⏰ Set reminder:
https://t.co/0oDKU1x0v8

🌐 Learn more here: https://t.co/J0uzbKjWh6

[Term Labs @term_labs]

RWAs have a liquidity problem.

Excited that Term is partnering with @symbioticfi to increase liquidity, adoption of RWAs onchain.

Fix it with Term.

[Symbiotic @symbioticfi]

https://t.co/HQlMYbLsLn

[Dion Chu @dionchu]

Morpho just dropped the Midnight whitepaper — a clean fixed-rate primitive.

My take: it’s the clearest sign yet that fixed-rate DeFi is moving from “build the market” to “make it actually usable.”

But here’s the key difference most people are missing…

[Term Labs @term_labs]

@bwelch13 @ImperiumPaper @davidesilverman that is correct

[Term Labs @term_labs]

Earn 9.5% total yield by depositing into tmvUSDC/frxUSD on @ConvexFinance and supported by @CurveFinance

Yield breakdown:
7.5% Curve/Convex Incentives
2% Base Yield (50/50 split of 4% tmvUSDC)


🔥 Bonus: Base Yield increases even more as new loans originate on Term

How to start: 

1) Get your Metavault tokens (tmvUSDC) on Term
👉 https://t.co/PE76dUi2L2 


2) Deposit into Convex
👉 https://t.co/RqaVM9oFg4

[Term Labs @term_labs]

Deposit here:

https://t.co/tu3k8yU0qf

[Term Labs @term_labs]

The Term Finance USDC Metavault is officially LIVE on @pendle_fi!

Deep liquidity and institutional-grade fixed-rate yield on top of your favorite fixed-rate lending protocol.

Check it out👇

[Term Labs @term_labs]

@soligxbt there is no connection to Term and this wallet. All things Safu at Term.

[Term Labs @term_labs]

@0xyanshu 🙏

[Dion Chu @dionchu]

Everyone's excited about RWAs coming onchain.

Here's what nobody's saying:

RWAs are fixed-rate instruments. Treasuries, bonds, credit facilities — defined terms, defined yields.

You're importing fixed-rate assets into a variable-rate lending environment.

That's not a solution. That's a mismatch.

[Term Labs @term_labs]

In a market defined by uncertainty, fixed-rate protocols are becoming the "safe harbor" for DeFi users.
Variable rates are a gamble right now. Locking in fixed terms allows you to plan your strategy without worrying about a 2 AM rate spike.

[Term Labs @term_labs]

We are in a transitional market. The "easy money" of the past decade is gone, and we’ve entered an era where Liquidity & Yield are the most important metrics.

Don't chase the green candles on a chart. Instead, focus on "locking in" the current high rates while they last. Whether it’s a traditional CD or a fixed-rate DeFi loan, the goal right now is to let your money work for you, rather than you working to time the market. ⚖️

[Term Labs @term_labs]

Retail hype is fun but volatile. It’s driven by "price action" (the hope that someone will buy it for more than you did). Institutions care about sustainable yield. For the average person, following the "smart money" into fixed-rate protocols (like Term Finance) means you stop gambling on price swings and start earning predictable interest.

[Term Labs @term_labs]

In a world of volatile rates, liquidity is your best friend. Those who aren’t positioned for sudden "dry spells" risk getting caught in forced liquidations.

[Term Labs @term_labs]

Tap in and leverage PT-reUSD 👇 Auction now open on https://t.co/gSfCDOai2H

[Term Labs @term_labs]

PT-reUSD is now an accepted collateral for Term loans 💠

@re @pendle_fi @PendleIntern

[Term Labs @term_labs]

We are in a "wait and see" macro period, but the micro-movements in DeFi and retail speculative assets are signaling a big shift ahead. Stay liquid, stay informed.

[Term Labs @term_labs]

We’re seeing a resurgence in speculative trading (think GME/AMC vibes and high-leverage meme coins).

When retail fervor peaks, it often signals a local top, or a shift in liquidity.