My mother was the chief accountant of a foreign agricultural export company. After 22 years, she retired.
Her retirement bonus was somewhere around $27.6K. Today, she asked me which bank she should deposit it in to get the best interest rate.
I told her: “The interest rate isn’t the most important thing. We should find somewhere that lets you earn yield, keeps your assets secure, and still allows you to borrow against them when you need liquidity.”
My mother looked surprised. I opened TermMax and showed her how to use it.
She deposited 2 ETH and 0.5 BTC, then tried borrowing 1,000 USDC at a fixed rate of 3.2% per year.
That small experiment explains why I find TermMax interesting.
TermMax is building fixed-rate, fixed-term infrastructure for DeFi. Instead of relying entirely on floating borrowing costs, users can lock in a known rate and maturity. Its architecture goes further through FT, XT and GT, separating different components of lending and leveraged positions, while V2 introduces features such as Composable Base Yield, Atomic Orders and Smart Unwind.
The onchain numbers also caught my attention. TermMax reports more than $90M in TVL across its EVM deployments, alongside 1.5M+ registered wallets and around 90K daily active users, with activity previously peaking above 170K. It has expanded across 10 EVM chains and integrated with protocols including Morpho, Aave, Venus and Pendle.
And now comes the next stage.
The $TMX TGE is scheduled for August 25, 2026. TMX will have a fixed supply of 1 billion tokens and is designed around governance, staking rewards, curator functions and market creation. Rewards accumulated through XP, AP and MP are expected to become claimable at TGE.
Watching my mother test TermMax made the concept much easier to understand: earn on capital without necessarily giving up access to liquidity.
Known rate. Known term. Known risk.
#termmax @TermMax $ONG $PEOPLE $BOME
Her retirement bonus was somewhere around $27.6K. Today, she asked me which bank she should deposit it in to get the best interest rate.
I told her: “The interest rate isn’t the most important thing. We should find somewhere that lets you earn yield, keeps your assets secure, and still allows you to borrow against them when you need liquidity.”
My mother looked surprised. I opened TermMax and showed her how to use it.
She deposited 2 ETH and 0.5 BTC, then tried borrowing 1,000 USDC at a fixed rate of 3.2% per year.
That small experiment explains why I find TermMax interesting.
TermMax is building fixed-rate, fixed-term infrastructure for DeFi. Instead of relying entirely on floating borrowing costs, users can lock in a known rate and maturity. Its architecture goes further through FT, XT and GT, separating different components of lending and leveraged positions, while V2 introduces features such as Composable Base Yield, Atomic Orders and Smart Unwind.
The onchain numbers also caught my attention. TermMax reports more than $90M in TVL across its EVM deployments, alongside 1.5M+ registered wallets and around 90K daily active users, with activity previously peaking above 170K. It has expanded across 10 EVM chains and integrated with protocols including Morpho, Aave, Venus and Pendle.
And now comes the next stage.
The $TMX TGE is scheduled for August 25, 2026. TMX will have a fixed supply of 1 billion tokens and is designed around governance, staking rewards, curator functions and market creation. Rewards accumulated through XP, AP and MP are expected to become claimable at TGE.
Watching my mother test TermMax made the concept much easier to understand: earn on capital without necessarily giving up access to liquidity.
Known rate. Known term. Known risk.
#termmax @TermMax $ONG $PEOPLE $BOME