Abdullah-Al Mamun 🦇🔊🌿

[Abdullah-Al Mamun 🦇🔊🌿 @_al_mamun]

@1inch

[Manly Mentor @manly_mentor]

This video will change your life.. ‼️‼️

[Gearbox Intern @gearbox_intern]

gm, DeFi explorers, and new followers! 🌟

Let me introduce you to @GearboxProtocol:

⚙️ Since 2021, enabling users to access credit across DeFi. With $2.5B+ in yearly transaction volume, $5M+ in protocol revenue, and — most importantly — 0 bad debt. Safety comes first, always.

💳 Leverage with ease. Open a Credit Account and borrow up to 10x on your collateral to farm, stake, or trade across DeFi — enabling you to turn your DeFi activities leveraged.

🔒 Audited 10+ times for peace of mind. Our battle-tested protocol is built to last and secured by top-tier partners like Chaos Labs.

🧡 Big moves ahead. While Gearbox makes onchain credit unique today, enabling credit natively within wallets will allow it to reach 100x more users. Imagine borrowing directly through your favorite wallet — that’s the future we’re building. Meanwhile, enjoy our institutional deployments.

Thanks for joining us as we build DeFi's credit layer.
Stick around — the best is yet to come!

[Mark Byers @selfdrivenMark]

Louis Kahn’s Bangladesh Capital building is an inspirational marvel and the book “Between Silence & Light” had a big impact on me. To me so much of what we are trying to do with Cardano is represented in the story of the building and his words in the book.

[CoW DAO @CoWSwap]

Mooooooooo 🐮

[Gearbox Intern @gearbox_intern]

Say you love Christian Bale. Can you still tell what he'll look like in his next movie?

Bale's known for being dynamic and the audience has to adapt to what he delivers next. If the audience were hardcoded to expect the same from his movies all the time, the end results might cause disappointment.

The same dynamism exists for DeFi platforms and lending protocols often need to adapt.

🧬 The Complexity of Lending Design

DeFi protocols all aim to bring finance onchain but differ in terms of how much they rely on others. We can look at these reliances in terms of degrees.

• 1st are the assets, which rely on their creators.
• 2nd are DEXes, who rely on these assets and smart contracts to create a product.
• 3rd are the protocols that depend on DEXes, assets and their specific pools.

Lending protocols, being degree 2, are more complex because they depend on other systems like DEXes and price oracles to function. This adds layers of risk since problems in these systems can affect the lending protocol.

It gets even trickier because each asset used as collateral needs its own set of risk paramters, which are often tied to the performance and liquidity of specific DEX pools.

🤸 Need for Agility

The risk parameters for a lending protocol include factors like LTV, Borrow caps, and others that directly depend on the liquidity of a DEX pool. Since the liquidity of the DEX pools itself fluctuates frequently, immutably coding liquidity-dependent factors can eventually harm users.

A lending protocol, thus, needs to be proactive to market changes and adjust risk parameters after due testing and analysis.

🛡️ DAO Based Risk Management

The ideal state for lending protocols is if they could immutably feed in data which changes trustlessly. That, though, at the moment is not a possibility. So instead, we try and achieve trustlessness in managing risk through governance.

• Managing Risk: The first step of understanding how risk needs to be managed is to have researchers with deep analysis and understanding of it recommend the parameters. Gearbox achieves so through @chaoslabs.

• Trustless Governance: To remove trust based risk changes, the Gearbox DAO has qualified like @intotheblock and DAO members who decide the fate of the recommended changes.

• Decentralised Upgrade: Finally to ensure that the ability to upgrade is with no centralised party, the changes go through the DAOs multisig formed by 12 known members of DeFi and CT

And finally, monitoring. While Gearbox devs monitor risk through multiple proactive tools, a risk radar by IntoTheBlock is also live to help the DAO trustlessly monitor @GearboxProtocol's risk metrics.

Gearbox has been using this mechanism for 3+ years without ever incurring bad debt or being exploited. ⚙️🧰

[2Lambroz 🐑 (🧑‍🍳🥩🤌) @2lambro]

I remember going into $GEAR as looking for a cheaper better GMX leverage trade in 2023 but they grew a lot bigger

Perp -> Leverage points farming -> NOW ( Credit )

Important
🔹 New product around DeFi Credit coming soon
🔹 Gear tokenomics reworked a bit and more in discussion

Quick TLDR of their yearly recap
1️⃣ Massive Growth Through Integrations:

Gearbox added 40+ new assets (including Ethena and BTCfi) and expanded to @arbitrum & @Optimism

🔹 Key integration highlights:

> @renzoai $118M peak TVL
> @ethena $98M peak TVL
> @ether_fi $75M peak TVL

delivered:
> 300% TVL Growth: From V2 to V3
> 4X More Lenders: As demand for passive yield surged
> 30X Borrowers Growth: Borrowers skyrocketed from ~60 in January to 1,800+ by June.

2️⃣ Revenue & Utilization at ATHs:

2024 performance was strong:
> Over $4M in revenue generated in 2024 alone 🔥
> Lending pool utilization reached 80%+ ATH, boosting yields for lenders.
> Lenders collectively earned $12M+ in 2024 through passive income streams.
Gearbox isn’t just about borrowing—it’s delivering value across the board.

2025 Vision: More Than Leverage
@GearboxProtocol never left and wants to do more

> Permissionless Credit Layer: Lending infrastructure that scales seamlessly across networks.
> Wallet-Native Lending: Building lending directly into wallets for smooth, native UX.
> AI-Powered UX: Automating DeFi credit strategies with AI for a CEX-like experience.

What a journey
Merry Christmas @ivangbi_ @mugglesect @gearbox_intern

[THAT @THATGLOBAL]

The THAT Christmas Airdrop is still live!🎄
You have until December 31st to join and claim your share of 500,000 THAT coins.

How to Participate:
➡️ Hold at least $5 USD worth of THAT tokens. Purchase THAT here: https://t.co/aCz2IC9U3f
➡️ Drop your Polygon-compatible wallet address for token delivery: https://t.co/ONNhUEBx8L
➡️ Follow our account and retweet this post.

Don’t miss out on this opportunity!

[Abdullah-Al Mamun 🦇🔊🌿 @_al_mamun]

@RainFi_ wen token?

[Gearbox Protocol @GearboxProtocol]

Gearbox is here to move the world’s GDP onchain.

[Abdullah-Al Mamun 🦇🔊🌿 @_al_mamun]

@TradingParrot @cryptoquant_com @ki_young_ju 👍

[apeir99n @apeir99n]

juicy yields at @GearboxProtocol

[Abdullah-Al Mamun 🦇🔊🌿 @_al_mamun]

@BalletCrypto

[Pendle @pendle_fi]

Gearbox enters the Penconomy 🫡

Soon 🤝

[Mark Byers @selfdrivenMark]

Come check out Hydra Doom at the community run @IntersectMBO booth at @AusCryptoCon (Sydney🇦🇺) and get warmed up for the tournament!! 🔥

[Abdullah-Al Mamun 🦇🔊🌿 @_al_mamun]

@RainFi_ @solana Wen token?

[Abdullah-Al Mamun 🦇🔊🌿 @_al_mamun]

@mugglesect 😁

[Chainlink @chainlink]

Financial institutions are currently piloting this new privacy-preserving capability for the cross-chain settlement of tokenized assets.

Learn more: https://t.co/nr6eEd9Gaq

[Coin Bureau @coinbureau]

📰NEWS📰

Cardano has executed its first legally enforceable smart contract in Argentina.

It involved a 10,000 ADA loan between two ambassadors.

This is a positive step for blockchain technology in the country, potentially opening the door for broader legal and commercial applications of smart contracts.

[Abdullah-Al Mamun 🦇🔊🌿 @_al_mamun]

@PinakiTweetsBD https://t.co/7lzgI95J5V