Why in DeFi do we still consider high APY the main sign of a good deal? 🤔
Let’s imagine a simple scenario: you have 10,000 USDC for 180 days.
The protocol shows 18% APY today. It looks attractive. But in a month the rate drops to 11%, then to 7%, and later — to 4%.
You knew the APY at the moment you deposited.
But did you know your final outcome? No.
That’s why the concept @TermMax seems interesting to me.
Instead of asking:
❌ “Where is the highest APY today?”
you can ask something else:
🎯 “What rate am I willing to lock in for a specific term?”
Imagine Alice, who has 10,000 USDC and is ready to provide capital for 180 days at a certain fixed rate. Bob, on the other hand, needs liquidity for the same period, and he’s willing to pay the corresponding rate.
@TermMax creates an on-chain market where these two needs can meet.
In this, three important parameters appear in the strategy:
💰 CAPITAL — how much capital I’m using
📊 RATE — the rate I’m accepting
⏳ MATURITY — when the position ends
In my opinion, it’s maturity that changes the approach. Returns become not just a number that changes on the screen, but a parameter around which you can build a plan.
@TermMax #TermMax $TERMINUS
Let’s imagine a simple scenario: you have 10,000 USDC for 180 days.
The protocol shows 18% APY today. It looks attractive. But in a month the rate drops to 11%, then to 7%, and later — to 4%.
You knew the APY at the moment you deposited.
But did you know your final outcome? No.
That’s why the concept @TermMax seems interesting to me.
Instead of asking:
❌ “Where is the highest APY today?”
you can ask something else:
🎯 “What rate am I willing to lock in for a specific term?”
Imagine Alice, who has 10,000 USDC and is ready to provide capital for 180 days at a certain fixed rate. Bob, on the other hand, needs liquidity for the same period, and he’s willing to pay the corresponding rate.
@TermMax creates an on-chain market where these two needs can meet.
In this, three important parameters appear in the strategy:
💰 CAPITAL — how much capital I’m using
📊 RATE — the rate I’m accepting
⏳ MATURITY — when the position ends
In my opinion, it’s maturity that changes the approach. Returns become not just a number that changes on the screen, but a parameter around which you can build a plan.
@TermMax #TermMax $TERMINUS