PrimeFi

PrimeFi multi-chain snapshot 👇 @XDCNetwork remains the dominant liquidity hub with $3.5M+ market size, while @base and HyperEVM markets continue to grow. Each network shows different capital behavior and asset preferences. That’s exactly why we built PrimeFi.xyz as a multi-chain lending protocol. Which network should we focus on growing next?

@HYPERDailyTK Hyperliquid.

Hyperliquid: Top chain by fees Top bridged net flows Top stablecoin supply changes Top perp volume & open interest Absolute dominance across the board.

Why does your borrow rate on app.primefi.xyz suddenly spike when the pool fills up? It's not random. It's not manual. It's an algorithm that's been running in DeFi since Aave. And it's worth understanding. 🔹 Every asset pool has a metric called Utilization (U), showing how much of the available liquidity is currently borrowed. 🔹 The protocol sets an optimal Utilization target for each pool. Below that target, rates rise slowly. Above it, they climb aggressively. In math terms: 🔹 If U ≤ U_optimal: Rate = Base Rate + (U / U_optimal) × Slope1 🔹 If U > U_optimal: Rate = Base Rate + Slope1 + ((U - U_optimal) / (1 - U_optimal)) × Slope2 Slope2 is much steeper than Slope1. That's intentional. When a pool hits 90%+ utilization, borrow rates spike hard. This does two things at once: → Discourages new borrowers from draining the pool → Attracts new lenders chasing the higher yield The pool self-corrects. No human intervention. No governance vote needed. And for lenders, your yield is just as transparent: Your APY = Overall Borrow Rate × Utilization × (1 − Reserve Factor) Nearly everything borrowers pay flows to depositors. The Reserve Factor is the small cut set aside for the protocol treasury. This isn't a black box. It's open math, inherited from Aave v2, independently audited, and battle-tested across billions in liquidity. When you deposit on PrimeFi, you know exactly where your yield comes from. That's DeFi done right. Read more: docs.primefi.xyz/borrow/instere…

The latest top deposit APYs across supported networks are here. Take a closer look on app.primefi.xyz.

PrimeFi weekly snapshot 📊 🔹 $3.71M in total markets 🔹 $1.93M being actively borrowed 🔹 $1.77M TVL But the real signal: 52% utilization across all chains. If you're a lender, that means your assets are earning. If you're watching DeFi metrics, that's a healthy market. app.primefi.xyz

Most lending protocols give yield to everyone equally. Deposit. Earn APY. Done. PrimeFi.xyz doesn't work that way. And that gap is where the real opportunity lives. There are two types of users in PrimeFi: 🔹 User A: Deposits $100,000 USDT. Earns the base market APY. That's it. No $PRFI emissions. Just the natural rate. 🔹 User B: Deposits $10,000 USDT. Locks $500 in pLP tokens, exactly 5% of their deposit value. Unlocks full $PRFI emissions on top of the base APY. 10x less capital. Full emissions access. The mechanism behind this is called Prime Liquidity Provider (pLP). Here's how it actually works: 🔹 pLP tokens are LP positions from pools like PRFI/HYPE. You lock them into the protocol. That lock is what activates $PRFI emissions across your deposits AND your borrows. 🔹 It's not a binary switch. The longer you lock, the more Protocol Power you accumulate and Protocol Power is what determines your share of protocol fees. 🔹 The multipliers: 1-month lock → 1x multiplier 3-month lock → 4x multiplier 6-month lock → 10x multiplier 12-month lock → 25x multiplier 🔹 Lock for a year and your share of protocol fees is 25x larger than someone who locked for a month with the same pLP amount. That's not a small difference. That's the difference between being a passive depositor and being a protocol stakeholder. Now the part most people miss: Eligibility isn't static. It's dynamic. If you deposit $1,000 USDT and lock $50 in pLP (the 5% minimum), you're eligible. Emissions active. But if $HYPE drops 5% and your pLP value falls below $50, then Eligibility is gone. Emissions cut off. The protocol's BountyManager flags your address automatically. This is why smart users don't lock exactly 5%. They lock 6%, 7%, build a buffer. They enable auto-compound and auto-relock from the Manage page so the system maintains itself. The protocol isn't just rewarding capital. It's rewarding commitment. Deposit and do nothing = base APY only. Lock pLP + stay eligible + lock longer = base APY + $PRFI emissions + protocol fee share, compounding automatically. Two users. Same protocol. Completely different outcomes. Which one are you? Full mechanics: docs.primefi.xyz/prime-liquidit…

@GreekWeb3gaming That's the old token. Seems like you missed out on a lot of updates :)

@primefixyz Whats up with PRNT ? i spent $2k USD buying a couple coins roughly two years ago. Seems i wont see a single penny back from that money will I ?

Hyperliquid for a reason.

This week’s highest deposit APYs across supported networks are here. Compare the options and choose your network wisely. View them all at app.primefi.xyz.

I'm not the villain of the protocol. I'm the mechanism that keeps it alive. Here's what happens when your Health Factor hits 1.0 on PrimeFi.xyz: 🔹 My bot watches every position across every chain. 🔹 The moment your HF drops to 1.0, it calls liquidationCall() on the L2Pool contract. 🔹 I can repay up to 50% of your outstanding debt in a single call. In return, I claim your collateral at a 7.5% discount. 🔹 You lose a piece of your position. I walk away with a margin. The protocol stays solvent. Nobody "decides" this. It's the smart contract executing exactly as designed. Now here's where it gets interesting: I don't even need capital to do this. PrimeFi has Flash Loans. I can borrow the entire amount I need from the pool, liquidate your position, collect the 7.5% bonus, and repay the flash loan, all in a single atomic transaction, within one block. If the repayment doesn't arrive before the block closes? The whole thing reverts. The pool never carries risk. So no, I'm not the bad guy. I'm the reason lenders never lose sleep. I'm the reason the protocol doesn't go insolvent. I'm the liquidator. And I'm doing exactly what DeFi was designed for. Learn how liquidations work on PrimeFi: docs.primefi.xyz/borrow/liquida…

POV: When you continue to build the friendliest lending protocol during a global crisis.

This week’s top deposit APYs across networks on PrimeFi are in. Pick your network carefully. Explore them on app.primefi.xyz.

To our community, Our team here in the UAE is safe. We are closely following the current situation and sincerely hope for stability, peace, and safety for everyone affected. Thank you for the continued support. We remain committed and focused on building forward.

This week's leaderboard for the highest deposit APYs on PrimeFi by network is here! Choose your network wisely. Only on app.primefi.xyz

Whale activity on @XDCNetwork has been… dynamic 🐋 In and out. Then back in again. No drama. No slippage chaos. Just active capital managing positions. We like seeing markets that can handle movement. XDC on PrimeFi.xyz is doing exactly that.

At app.primefi.xyz, we aim to provide access to competitive deposit APYs across multiple networks, making it easier for users to allocate funds where they can perform at their best. After all, smarter allocation is what separates passive holding from active strategy.

Here’s the leaderboard for the highest deposit APYs on PrimeFi by network right now: 🔵 Base: PRFI at 11.90% 🟢 HyperEVM: USDC at 52.46% ⚫ @XDCNetwork: XDC at 120.67% Omnichain lending = different liquidity conditions per chain. Choose your network wisely. app.primefi.xyz

From everyone at Prime Numbers, we wish you peace, blessings, and meaningful moments throughout the holy month. Ramadan Mubarak 🌙