Ask your uncle what rate he got on his house loan. He will tell you the exact number without even thinking about it.
Now if you ask a DeFi lender what they earn in 60 days. they will not tell you. But lemme tell you why...
That gap is the whole reason @TermMax exists. Almost everything we have used since 2020 runs on a floating rate. You deposit USDC, an algorithm reads supply and demand, and your APY moves under you every single block. Brilliant when utilization spikes. Useless when you are trying to plan anything at all.
Traditional finance solved this centuries ago with bonds. Buy the paper at a discount, hold to maturity, receive face value. Rate locked at entry. The entire $100 trillion plus fixed income market runs on that one idea.
TermMax ports it on chain. Every market is defined by three things.... a debt token, a collateral token, and a maturity date. You enter, your rate is set, and nothing the market does for the next 30 or 90 days can change it.
Not "estimated APY." Not "up to." Locked.
That is the base layer, and every other thing $TMX does is built on top of it.
Real question for you fam, would you take 7% guaranteed or 12% that might be 3% next week ❗
#TermMax
Now if you ask a DeFi lender what they earn in 60 days. they will not tell you. But lemme tell you why...
That gap is the whole reason @TermMax exists. Almost everything we have used since 2020 runs on a floating rate. You deposit USDC, an algorithm reads supply and demand, and your APY moves under you every single block. Brilliant when utilization spikes. Useless when you are trying to plan anything at all.
Traditional finance solved this centuries ago with bonds. Buy the paper at a discount, hold to maturity, receive face value. Rate locked at entry. The entire $100 trillion plus fixed income market runs on that one idea.
TermMax ports it on chain. Every market is defined by three things.... a debt token, a collateral token, and a maturity date. You enter, your rate is set, and nothing the market does for the next 30 or 90 days can change it.
Not "estimated APY." Not "up to." Locked.
That is the base layer, and every other thing $TMX does is built on top of it.
Real question for you fam, would you take 7% guaranteed or 12% that might be 3% next week ❗
#TermMax