The biggest problem with a new public chain isn’t the technology—it’s that there’s “no money”！
When a new L1/L2 launches, the technical whitepaper is written with all the glamour.
Then what? Without assets, there are no users; without users, there are no assets—it's a vicious cycle.
This is the “false dead period” of a new public chain (Cold Start Problem).
New chains like Pharos and Berachain attract capital before launch by locking tokens and running token airdrops—but once your money goes in, it’s a “graveyard”: zero returns, zero usefulness, and you can only wait.
TermMax is putting an end to this “cold-start deadlock.”
Its solution is simple:
If a new chain lacks stablecoin liquidity, TermMax’s fixed-rate lending protocol is naturally a fit.
Lenders receive predictable fixed returns, while borrowers lock in their financing cost—both sides have clear expectations.
Before liquidity truly forms, it is priced and tokenized (financialized).
Berachain × Pharos RWA × TermMax fixed rates—an end-to-end on-chain interest-rate system is already live.
Data doesn’t lie:
After the Alpha version of TermMax launched, it quickly reached $20 million in transaction volume and $66 million in TVL.
It has now deployed across 10 EVM chains—Ethereum, Arbitrum, BNB Chain, Base, Berachain, X Layer, Pharos, and more.
TVL is over $90 million, registered wallets exceed 1.5 million, and daily active users exceed 90,000.
TermMax V2’s Rollover mechanism is the real killer feature.
When a borrower’s fixed-rate debt matures, they can renew in one click to a later maturity date, or switch directly to a Morpho floating-rate market.
For capital turnover on new chains—this is a must-have.
New public chains don’t lack stories; they lack assets that can steadily earn yield.
TermMax is equipping every new chain with a “financial engine.”
Go try fixed-rate lending on TermMax and let your locked capital “breathe.”
August 25 TGE—XP, AP, and MP you’ve accumulated can finally be cashed out
Cast a vote: Which new chain’s ecosystem are you rooting for?
@TermMax #termmax
When a new L1/L2 launches, the technical whitepaper is written with all the glamour.
Then what? Without assets, there are no users; without users, there are no assets—it's a vicious cycle.
This is the “false dead period” of a new public chain (Cold Start Problem).
New chains like Pharos and Berachain attract capital before launch by locking tokens and running token airdrops—but once your money goes in, it’s a “graveyard”: zero returns, zero usefulness, and you can only wait.
TermMax is putting an end to this “cold-start deadlock.”
Its solution is simple:
If a new chain lacks stablecoin liquidity, TermMax’s fixed-rate lending protocol is naturally a fit.
Lenders receive predictable fixed returns, while borrowers lock in their financing cost—both sides have clear expectations.
Before liquidity truly forms, it is priced and tokenized (financialized).
Berachain × Pharos RWA × TermMax fixed rates—an end-to-end on-chain interest-rate system is already live.
Data doesn’t lie:
After the Alpha version of TermMax launched, it quickly reached $20 million in transaction volume and $66 million in TVL.
It has now deployed across 10 EVM chains—Ethereum, Arbitrum, BNB Chain, Base, Berachain, X Layer, Pharos, and more.
TVL is over $90 million, registered wallets exceed 1.5 million, and daily active users exceed 90,000.
TermMax V2’s Rollover mechanism is the real killer feature.
When a borrower’s fixed-rate debt matures, they can renew in one click to a later maturity date, or switch directly to a Morpho floating-rate market.
For capital turnover on new chains—this is a must-have.
New public chains don’t lack stories; they lack assets that can steadily earn yield.
TermMax is equipping every new chain with a “financial engine.”
Go try fixed-rate lending on TermMax and let your locked capital “breathe.”
August 25 TGE—XP, AP, and MP you’ve accumulated can finally be cashed out
Cast a vote: Which new chain’s ecosystem are you rooting for?
@TermMax #termmax
Berachain —Honey + TermMax固定利率
16%
Base — 背靠Coinbase，流动性最好
15%
先观望，等8月25日TMX TGE后再决定
69%
13 votes • Voting closed