Imagine you want to lend money and you have an history with banks or you are a freelance, so you dont have a long term working contract, and you wanna borrow some money.
Given your current situation described above, it is very unlikely that any bank will lend you the money you need. And that's where DeFi lending enters the discussion.
If you hold #bitcoin (BTC) or #Ethereum (ETH), you can use them as collaterals on exchanges like Binance to borrow stablecoins like USDC or USDT. But what technology is behind this online decentralized lending which solely focus on the value of your collateral and not if you are a punk artist freelancing ?
The answer is $MORPHO
Morpho gives the necessary infrastructure to Exchange platforms to build its own lending system/app (see picture below).
What do Bitpanda, Coinbase, TrustWallet, Crypto dot com, all have in common ? They work with @Morpho Labs 🦋 , using $MORPHO as their lending backend infrastructure.
See this graph of the main Morpho partners from Morpho official website : it's telling you that this protocol is here to stay and its token with it.
Did you know that @Morpho Labs 🦋 , the entity behind #Morpho was created by french engineer Paul Frambot, born in 2001 and graduated from Institut Polytechnique de Paris in "Parallel & Distributed Systems, Blockchain".
Frambot launched Morpho, in 2021, at 21, and is now expanding the Morpho Team to other talents in order to make #Defi lending more easily accessible through different platforms.
The DeFi disrupter created by @Morpho Labs 🦋 has appreciated its value by 24,4% in one month. October 2025 has seen #Morpho gain a lot of value, as well as its competitors $AAVE and $COMP .
September 27th 2025 : 1,65 USD/morpho October 27th 2025 : 2,09 USD/morpho
And morpho is yet to get to its full potential in my opinion !
The narrative of #PrivacyCoins is rising amid regulatory concerns. #zcash , the blockchain protocol behind the $ZEC coin, is a mirror of Bitcoin (same amount of total coins, 21 millions and use Proof of Work too) BUT with a major difference : any trade using ZCash/ZEC is anonymous.
And this freedom and under the radar narrative has fueled ZEC rise over the past month with a staggering 500% mark-up of the #ZcashPrice and a market cap of 5 USD Billion by October 28th 2025. And still pumping.
The #morpho protocol has been exploding since January !
Did you know that $MORPHO , the DeFI protocol enabling lending of USD #Stablecoins against BTC or ETH as collateral has signed with CoinBase in Juanary 2025 and since then has seen its lending volume explode.
In this report by VISA issued in October 2025, you can see the amout of Lendings, totaling around 1.9 billion oustanding, that Morpho has totaled.
The Morpho token is yet to follow this trend by has already gone up in the last months and weeks.
Bonus : Morpho, as you can see in the graph below from the VISA report, is mainly used to borrow USDC (more than 90%).
#Morpho is gaining traction says a report by VISA.
The Morpho protocol has been developing since january 2025 and the signature with Coinbase to serve as their backend lending protocol. Designed to serve as the platform where you can place BTC or ETh as collateral and borrow stablecoins like USDT or UDSC, Morpho has been gaining traction ever since.
Despite Aave and Compound being leaders on the stablecoins lending world, Morpho is raising and may be the next success story you want to be part of.
Read the complete Report on VISA website : "Stablecoins beyond payments: The onchain lending opportunity"
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