Notice I'll also write something, though comments alone don't add points anymore. Let's talk about something counterintuitive: After all these years of DeFi, the most basic question—"how much interest should I pay when borrowing money?"—is only now starting to seem plausible. Don't you find that absurd? I recently spent some time on @TermMaxFi, and what struck me most wasn't their fancy split option structures (although that FT/XT/GT three-token approach certainly excited institutions), but a remarkably simple scenario: You collateralize a bunch of assets, borrow a sum of money, and then—you don't have to constantly check your wallet to see where the interest rate has jumped, nor do you have to worry about calculating the liquidation line. The page shows a fixed 5.2% for three months, and it stays at 5.2% until maturity. It's that simple. This might not sound sexy, but once you've experienced it, you can't go back. Especially when you actually need to plan your cash flow. The most basic "certainty" in traditional finance has become a luxury on the blockchain. Aave and Compound are certainly great, but their floating interest rate models essentially shift all interest rate risk onto the user. A market tremor can double your borrowing costs; this isn't lending, it's riding an emotional rollercoaster. TermMaxFi's brilliance lies in not trying to disrupt anything, but rather taking the mature yet tedious "fixed interest rate + fixed term" model from TradFi and putting it on-chain, then providing a host of native on-chain features. For example, the "one-click leverage without liquidation" design, on top of certainty, prevents you from being anxiously woken up in the middle of the night by a barrage of liquidation calls when using leverage (don't ask me how I know). Their current push for RWA integration, using tokenized US Treasury bonds and ETFs as collateral, is an extension of the same idea: if you want a fixed interest rate, the collateral itself shouldn't be too volatile. Bringing in assets with stable cash flow from the real world makes the entire cycle more stable. Speaking of which, their "DeFi Renaissance" campaign is quite popular recently, with many people completing tasks to earn XP. It's obvious to everyone that they're paving the way for the future. But more than the anticipated airdrop, I'm concerned about whether they can truly make "fixed interest rates" one of the default options in DeFi. After all, an adult making financial plans needs to know how much they'll have to pay tomorrow, right? If you're fed up with the rollercoaster of interest rates, or simply want to experience the peace of "borrowing money without guessing prices," you can check out their website. The mechanism seems a bit complex at first glance, but the documentation is decent. At least, once you understand it, you might find that in DeFi, you can have a pretty good time without gambling on volatility. #TermMax #TMX #DeFiRenaissance #Airdrop #FixedIncome Shen Zichen Village Committee Party Branch

Fixed interest rates make DeFi more reassuring

Can I still masturbate now?