JimmyBitcorn

🤘⚛️

[Paul Grey @paulgrey]

If you run a regulated fintech, the lending infrastructure question is not which protocol has the deepest liquidity. It is who is allowed into the market.

Aave and Morpho run permissionless markets by design. Any address can participate, and that is the point of them. Both have institutional routes as well: Aave's Horizon is a permissioned market for tokenized real world assets like treasuries and money market funds, and Morpho sits behind Coinbase's verified, custodial loan product. Both are real, and both point somewhere specific.

What none of them serve is the case in the middle. A fintech that wants its own verified customers borrowing against the crypto those customers already hold, under its own brand, without handing them to a competitor.

That is what @LOAN_Protocol is built for. Identity is enforced at the contract layer on XPR Network. A user verifies once through Metal Identity, and the chain itself is queried before that user can participate. KYC is not bolted onto the front end. It is a condition of the market.

That single design decision is what makes it usable as backend infrastructure for a business that answers to a regulator.

What the markets actually look like:

Supply stablecoins and earn a variable, utilization-driven rate. Across all history USDC has averaged 7.1% APY and USDT 8.6%. Over the last seven days both sat near 5.4%. Rates move with utilization, so treat history as context, not a forecast.

Borrow against what your users already hold. BTC and ETH at up to 70% LTV, XRP, ADA, HBAR, DOGE, LTC and SOL at up to 60%. That second group matters: Aave, Compound, Spark and Euler are EVM-only, and ADA, XRP, XLM, HBAR, DOGE and LTC have no EVM representation to list. It is a structural limit, not a roadmap gap.

Alternatives exist and I will name them. Coinbase launched borrowing against XRP, ADA, DOGE and LTC in February, wrapped and routed through Morpho on Base, custodial, US only, capped near 49% LTV. Home-chain protocols like Liqwid, Blend and Bonzo do it natively, one chain and one wallet at a time, with no KYC at all.

What LOAN does is put all of it in one venue, gas free for the user, with identity enforced in the contract, and available to white label.

$30.1M TVL on DeFiLlama. Larger than Liqwid or Bonzo individually, and it covers both of those chains plus XRP, DOGE, LTC, SOL, BTC, ETH and stables in a single integration.

If you run a fintech, an exchange or a wallet, your users are already asking for this. Coinbase shipping it proves the demand. The question is whether you send them somewhere else to get it.

https://t.co/vGudHtmyKU

[XPR Network @XPRNetwork]

Crypto payments shouldn’t feel like copying a password.

On XPR Network, just send to @ johnsmith

Simple. Human. Zero gas. ⚛️

[JimmyBitcorn @JimmyBitcorn]

@FTDA_US @solana How about Zero fees? Try out @XPRNetwork full AI agent marketplace and tools

[JimmyBitcorn @JimmyBitcorn]

@FTDA_US @ethereum @Aptos @solana @BNBCHAIN The more important thing is execution speeds ⚛️

[XPR Network @XPRNetwork]

The future will be powered by the XPR Network.

[JimmyBitcorn @JimmyBitcorn]

@Nebraskangooner Yes one told my friend SpaceX would be going to $400 soon when it was at $190

[JimmyBitcorn @JimmyBitcorn]

@JoelKatz @Bird_XRPL Good man, knows himself and loves his wife

[Oz @AskCryptoWealth]

They said Crypto was risky

$SPCX

[JimmyBitcorn @JimmyBitcorn]

@TheTimeTraveler It's gonna be true ⚛️ @XPRNetwork

[JimmyBitcorn @JimmyBitcorn]

@astropics There will be signs @XPRNetwork ⚛️

[JimmyBitcorn @JimmyBitcorn]

@24hrscrypto1 Hm "obvious in hindsight and irrational in real time" and "biggest shifts in history are never obvious" yeah sorry it's not XRP it's @XPRNetwork

[JimmyBitcorn @JimmyBitcorn]

@MaxLonged But its not shadowless.... Lol

[JimmyBitcorn @JimmyBitcorn]

@pegasus_dark1 @0xchainink @XPRNetwork @WordPress Yeah I said XPR @XPRNetwork not XRP

[JimmyBitcorn @JimmyBitcorn]

@world_xyz Actually I know why it's because World is coming to the world computer @XPRNetwork

[JimmyBitcorn @JimmyBitcorn]

@AntiWokeMemes Suddenly your awake

[JimmyBitcorn @JimmyBitcorn]

@Vibatron This is an amazing card 😮

[JimmyBitcorn @JimmyBitcorn]

The best ecosystem I've ever used! I'm always surprised it isn't talked about more

[Metallicus @MetallicusTDBN]

Metallicus is not building one product.

We’re building a connected financial ecosystem across payments, stablecoins, banking infrastructure, digital identity, custody, DeFi, and blockchain networks.

Metal Blockchain. XPR Network. Metal Pay. Metal X. Metal Dollar. WebAuth Wallet. LOAN Protocol. Metal L2.

Different products. One ecosystem.

Built for the next generation of finance.

[JimmyBitcorn @JimmyBitcorn]

@EmanAbio @SuiNetwork Who cares it's all off - chain lol