m3ralix

irgendwas mit Krypto, Vater von Terrorzwergen, AmsterdamLiebhaber, ansonsten ganz cool, #fckafd, #savetheworld

[Vex @v_vukman]

Some of the most recent DeFi findings, which I knew were happening, because the circular DeFi lending-and-borrowing economy can't be capital-effective. In DeFi as we know it, money does not do a shit; it just waits for token prices to go up or down to see how the borrower can repay the loan. It will be repaid if the collateral (locked token price) value goes up, or it will be repaid (liquidated) if the collateral value goes down. It's a volatility play, not economic activity.

Findings 👇

85% of tracked concentrated liquidity isn't working to its full potential at any given time
👉 Read: funds are not deployed in economic activity that creates new value but are, in most cases, waiting for +/-50% price volatility (if not more if the borrowed value is less than 50% of the collateral value).

$542M fully idle. An average of 29.5% of capital sat completely out of range each week - earning nothing, providing zero depth. At the February peak, that figure hit 41%.
👉 Read: It's like a bank has nowhere to deploy (lend out) tons of deposits sitting in its vault. It's crazy. Crypto funds need to find utility in real-world economic activities.

$150M/year in forgone fees. That's the estimated cost to out-of-range LPs, based on a blended in-range fee APR of ~35%.
👉 Read: a lost opportunity.

The biggest positions hold the most idle capital. Idle rates fall as positions grow - but positions over $1M still hold ~47% of all idle dollars (~$260M). This isn't a small-fish problem.
👉Read: it's a general problem in DeFi, where users are largely small retail borrowers (people who are betting on their crypto by leveraging it), whereas large positions are rare. In short, people with large bags are not as desperate or as keen to bet on their holdings by leveraging them in DeFi. Those who hold bigger sums in crypto simply HODL.

!!! No design escapes it. Uniswap v4 idles right where v3 does (~30%). Even stablecoin pools run ~30% idle. And on Uniswap v3, 82–94% of idle capital sits in individually held wallets, while contract-managed positions remain reliably in range
👉 Read; DeFi as we know it is desperate for products where capital is deployed in real-world economic activity that generates new value. In DeFi as we know it, borrowers DO NOT CREATE NEW VALUE with borrowed capital but are usually buying new tokens with borrowed funds to again bet on their price going up. On the contrary, when deploying capital in real-world economic activities, credit risk needs to be assessed and incorporated into the setup, which is unheard of in DeFi products.

!!! Why am I writing this? It's because @get_revuto plans to deploy crypto capital into real-world economic activity, with a BNPL setup that provides short-term loans to its eligible users to pay for their subscriptions using Crypto Cards.

So, from the economic activity, what is the difference here?
👉 The difference is that deployed capital doesn't need to wait for the token price to rise or fall (price volatility) to generate yield, but a credible user capable of repaying the debt plus interest.

[Vex @v_vukman]

Planning to release the R Token Mining Program whitepaper next week and then aim to launch it in August. Telling you that, we're about a month behind the initial plan because of an additional work around cards and their launch, but - it's coming! 👊

[m3ralix @m3ralix]

@v_vukman Hang in there, Vex, everything will be fine in the end. 👍🏼

[m3ralix @m3ralix]

@thomaseisenhuth Glauben ist etwas für die Kirche…..

[m3ralix @m3ralix]

@BToast288728 @get_revuto

[m3ralix @m3ralix]

@BenBuech Benedikt…erst nachdenken, dann los poltern. Es gibt eine Hausordnung des Bundestages. Die gilt auch für Frau Storch.

[m3ralix @m3ralix]

@Smart_Money Entfolgt 🤷🏼‍♂️

[m3ralix @m3ralix]

@AndreVanyiRobin @F_Gregaard @Padierfind Well said.
Take a look at @get_revuto
They are building. 👍🏻

[m3ralix @m3ralix]

@v_vukman 😂 Try contact lenses…

[m3ralix @m3ralix]

@v_vukman @get_revuto

[Revuto @get_revuto]

As part of the CARDANO non-custodial wallet in our app, the Staking Center, with more than 30 staking pools, has been one of our most-used products since 2022. Moreover, staking generates fees that we can use to boost the $REVU economy. Something we missed since 2024, when we shut down SC. Now, we look at how to bring it to the next level with our new SC product, and there are options that look great.

[m3ralix @m3ralix]

@MonikaGruber24 Habt ihr alle Langeweile? Oder keine anderen Dinge zu tun?
Lasst den Leuten doch ihr Hobby und Spaß am Leben.
Über was man sich hier so das Maul zerreißt.
Ihr seid so abgrundtief unangenehm…

[m3ralix @m3ralix]

@get_revuto @binance @kraken @coinbase @cryptocom 🎉

[m3ralix @m3ralix]

@FelineFlexer @TimKoffiziell @realityloop23 Wer hat denn was getan?
Die ganzen Hetzer und Hater haben die Gesellschaft gespalten.

[m3ralix @m3ralix]

@VyronInvest @Weidagehts Die kinderlosen 🥳

[m3ralix @m3ralix]

@schultz_tom Generationenprinzip Tom… deine Beiträge sind kein Sparplan zur Rente. Sollte eigentlich klar sein.

[m3ralix @m3ralix]

@VyronInvest @gesunde_sicht Sie reden von gesellschaftlicher Verantwortung und brüskieren sich über das Generationenprinzip zur Rente. Das passt nicht zusammen. 🤦🏼‍♂️

[m3ralix @m3ralix]

@VyronInvest @DeetjenJens Hörst du dir zu? „Regime“, „Verrat“.
Was geht nur in den Köpfen von euch vor.
🤦🏼‍♂️
Wenn es schon mit der Wahl der Worte nicht passt. Du wählst sicherlich auch AfD.

[Revuto @get_revuto]

The team is hard-testing the New Staking Center, which supports all cryptocurrencies. The first pool will allow users to stake $USDC to feed "Buy Now, Pay Later" micro-loans for subscription payments. In a couple of days, the team will release the whitepaper for the BNPL service explaining the business behind it.

Alongside this, the team is hard-testing new @VISA non-KYC Debit Cards ($200 monthly limit per card) for subscription payments, which will be available worldwide in a couple of days.

Work, work, work... 🚀