TermMax just crossed 700,000 users (Feb 12, 2026) and is on track for 1M by early March. This growth reflects strong alignment across product, incentives, and market timing. 1/ Product fit: Fixed-rate DeFi @TermMaxFi offers: • Fixed-rate lending & borrowing • No liquidation risk • 1-click leverage up to 5x • Structured products (FT / GT) TVL grew from $34.9M to $44M in 2025, with strong demand from users seeking stable yield. Around 60% of growth came from retail prioritizing predictability. 2/ Incentive engine XP (lending, borrowing, check-ins) + MP (content, referrals) + TMX airdrop created powerful momentum. Campaigns in Jan 2026 pushed users from 300K to 540K in two weeks, contributing roughly 50% of recent growth. 3/ Institutional alignment Backed by Cumberland, HashKey, and a $4.25M seed round. Integrations with: • Ondo (tokenized securities collateral) • Binance Web3 Wallet (128K DAU peak) • Brevis (ZK proofs) • UnifAI (AI lending) Institutional flows drove ~30% of expansion, with Q4 revenue up 86%. 4/ Narrative + macro tailwind Strong community branding, KOL campaigns, and fixed-rate positioning during a volatile bull cycle added another growth layer. Big picture TermMax sits at the intersection of: • Fixed-income DeFi • Structured products • RWA integration • Aggressive community growth The next phase will be defined by retention and competitive execution. Fixed-rate DeFi is gaining real traction.

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