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Lately, I increasingly feel that DeFi will enter a phase driven from transaction-based to yield curve-based.
If this judgment is correct, @TermMaxFi deserves to be re-evaluated.
Because it’s not doing ordinary lending, but more like an on-chain interest rate market experiment. Public information has fixed interest rates and term lending as its core positioning.
This is important because, in the past, on-chain yields were mostly floating.
There are many opportunities.
Very few certainties.
And the fixed interest rate market essentially provides a pricing for certainty.
This is a more mature fin

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If you only see @TermMaxFi as a lending protocol, I think you'll miss the point.
What truly interests me is how it pushes on-chain finance toward the logic of the capital markets.
It’s not just simple lending matchmaking, but built around fixed interest rates and maturity markets.
Because as open finance develops to a certain stage, it will inevitably shift from liquidity to interest rates.
This is a sequence issue, not a multiple-choice question, and @TermMaxFi is exactly at this node.
What I like most about it is that it doesn’t rely on grand narratives to support its value but ins

I’ve recently developed a stronger intuition that the next round of revaluation will not only include AI and performance chains but also long-term application infrastructure.
@Permaweb_DAO is right at the forefront of this trend.
AO and Permaweb are discussing not just permanent storage but a sustainable network for running applications.
This direction is often underestimated because it seems like a slow variable.
Markets usually chase fast narratives, but true structural change often comes from slow variables.
What I like about @Permaweb_DAO is that it discusses application lifespan

If you can't predict interest rates, is DeFi lending really making money or just gambling?
The emergence of @TermMaxFi essentially challenges a default assumption: that interest rates must be floating.
In the past, everyone was used to the dynamic interest rate models of Aave and Compound, but few realize that this design is more suitable for professional players rather than ordinary users.
@TermMax breaks down lending into a simple logic: you know the future costs and benefits from the start.
It sounds basic, but it's actually one of the most core capabilities in the financial system.