beeshal 🌊

AMM’s have failed to innovate over the last 4 years. This directly contrasts to Solana’s prop AMM ecosystem who innovate seemingly daily. During "normal" market conditions, prop AMM's like @humidifi dominate SOL/USDC volumes. However, these centralised entities can just stop quoting should they feel like it. This means that they DO NOT suit Defi composability, as they present unreliable liquidity. Lending protocols cannot depend solely on prop AMM's for this reason. Doing so, will risk bad debt. During the dump, they facilitated basically 0 volume for ~35 minutes. If we fail to innovate on chain liquidity/AMM's, we risk Defi composability. We need to innovate AMM's. The future of Defi literally depends on it. Watch @0xfluid DEX v2. The first major leap in DEX innovation in years. x.com/0xfluid/status…

@tomwanhh it will continue declining as we reach 50 then 6% onwards from that point :)

@_brizal gotcha so 11% now until $50M and it will drop to 6%?

No need to loop manually anymore, just use Fluid, currently yielding 11%, FIXED. Under the hood it is looping sUSDe, syrupUSDC, sUSDai, syrupUSDT on Aave/Fluid across 3 different chains: Ethereum, Plasma, and Arbitrum.

Backtested Fluid Lite USD against the most trusted stablecoin yield venues across the defi industry - @0xfluid USDC - @Morpho @SteakhouseFi USDC - @aave v3 USDC - @sparkdotfi Savings USDC for the past year, Lite USD would have yielded a baseline stable 6.18% and outperformed all its competitors - providing reliable high yield even in the most bearish environments. Just deposit into fluid.io/lite and Stay Fluid 🌊

@litocoen we'll continue to build and make sure to have the best and most robust lending protocol for when the EF is ready 🤝

@DeFi_Made_Here @smykjain Stay fluid is an interesting way to sign off when you’re talking about staying rigid

Some context on the USD Lite fixed APR design choice We’ve been running the ETH Lite vault for four years, managing billions in AUM, which has given us a strong understanding of user behavior. The ETH Lite vault follows a typical structure where we charge a performance fee. Most of the time, yields are high and users are satisfied, but even a one-day drop in yield tends to trigger user outflows. With fixed rates in the USD Lite vault, we aim to deliver a more consistent experience. When yields exceed the fixed APR, the surplus is retained as reserves. When yields fall below the fixed rate, those reserves are used to cover the difference. This approach ensures a more stable and predictable UX, while also unlocking strong opportunities for integrations with wallets and other distribution channels. Stay Fluid 🌊

@hosseeb @masonnystrom "but that's just regulatory arbitrage" i mean robinhood basically said that's the only reason they're coming on chain.

The line "decentralization doesn't matter" is getting repeated more and more these days. I recently broke out into debate on-stage with @masonnystrom about why decentralization was essential to prediction markets existing at all. It got heated. Worth the 5 minutes:

Vaults are hot right now, but since 2023, @0xfluid has operated the most successful ETH yield vault. Today, we bringing that same 1 click instant yield experience to stablecoins via USD Lite. But, it gets better! Fixed rate returns capitalising on cross chain opportunities.

@SaulCapital 🤝

@_brizal 💯

Fluid is the best partner for yield bearing assets and RWA's. No juggling 10 relationships, 1 group chat and we'll bring you the best tech & distribution across all ecosystems. - highest LTV's - deep DEX liquidity at 10x lower cost - the only partner that can support you across EVM and Solana - tap into the largest RETAIL distribution channel in crypto via @JupiterExchange @jup_lend

@caleb_bright123 charts also need to add jupiter lend & venus flux to fluid's numbers :)

@_brizal Yep, Fluid is the fastest grower by %. Watching it's growth closely

DeFi lending has had a serious twelve months. Active loans crossed $30 billion, and this time the growth looks structural not just leverage chasing yield in a bull run. What's more interesting than the headline number is where the volume is landing. Three protocols are pulling ahead, and they're not competing for the same thing. Aave remains the gravity well $17 billion in active loans, still the default destination for permissionless liquidity at scale. Morpho is climbing fast by doing something less flashy but arguably more important: optimizing how capital gets routed so lenders actually earn more and borrowers pay less. It's at $4 billion and the trajectory is sharp. Then there's Maple, which has quietly built something different altogether $2.9 billion in institutional credit, real underwriting, higher-quality borrowers. The takeaway isn't that DeFi lending is up. It's that the market is segmenting permissionless pools, optimized yield layers, and curated institutional credit all growing simultaneously, each serving a different risk appetite and capital type. The next phase won't be won on raw TVL. It'll come down to capital efficiency and who can actually price risk properly.

Fluid is the best venue for stablecoins. Take @USDai_Official's sUSDai as an example: - 42% of the total supply is sitting on Fluid, $107M out of the current $250M - >80% of all trading volume across chains is on Fluid - can go live on any supported chain, no separate integration needed Only possible with @0xfluid's smart debt & collateral, and the best lending/borrowing conditions in DeFi.

@synthesysco and @chainlink are excited to partner with EPOCH Digital Credit to introduce TreasuryPlus (TPLUS), a digitally native tokenized private credit fund, administered by The Ascent Group. TPLUS is designed to generate consistently higher yield than money market instruments while maintaining liquidity with daily subscription and redemptions supported by onchain stablecoin settlement - offering a new option for eligible investors seeking liquid, predictable, secured income. From day one, TPLUS will be live across 22 distribution channels spanning marketplaces, broker-dealers and securities firms in Singapore, Hong Kong, the US, the UK, Europe, and the UAE, powered by Synthesys Network, providing the API connectivity for cross-channel distribution, subscription and redemption, replacing otherwise separate bilateral integrations. Initial distribution partners through Network include @Tokinvest_Cap, @EXIO_HK, @AsseteraGlobal, and Pinetree Securities - among others. TPLUS launches natively on Ethereum, with planned integrations onto Solana, Stellar and Canton, enabled by Chainlink's data and interoperability standards. At it's core, TPLUS combines EPOCH’s decades-long expertise in credit and liquidity management, with natively digital infrastructure enabled by Synthesys and Chainlink, eliminating the intermediary layers, wrapper fees, and liquidity fragmentation. Availability is limited to Qualified Purchasers meeting applicable eligibility criteria, minimum investment thresholds, and subject to the investment documentation. Read the full announcement here: blog.synthesys.co/2026/03/18/epo…

@litocoen btw, this is a pegged vault and shouldn't be flagged as very risky should be fixed in a moment!

and also the only lending platform where the issuer can create DEX liquidity for their asset at the same time like here someone (mb RE itself) has created $6m in liquidity by using their reUSD-USDT LP as collateral and borrowing USDT against it started with $1m to make a $6m LP - improving reUSD's onchain liquidity while still earning 15% apy

@letsgetonchain @peazyfi @re @DeFi_Made_Here we were exploring it a couple of months ago but conversations broke down let me bring them back up again

@peazyfi @_brizal @re not sure regarding risk curation wrt frxUSD. maybe @_brizal @DeFi_Made_Here can share plans if any regarding frax/fluid

Fluid is the only looping RWA platform that allows you to earn yield on your liabilities. For example looping @re with smart debt (USDC-USDT) means trading fees on your debt boost your APY by 2%+ compared to plain USDC or USDT borrowing. That extra 2% APY is based on trading fees earned by USDC-USDT dex pool in the last 24h which was yielding 0.34% APY (on average it is much higher). Last years average trading APY on USDC-USDT pool was at 0.64% APY. That means if you looped you RWA on Fluid last year with USDC-USDT smart debt your APY was enhanced by roughly ~4% APY without incurring any additional risks besides USDC or USDT depegging. Capital efficiency translates to better yields.

$7m in DEX liquidity with $1m in balance sheet. the cheapest cost of capital in Defi.

@letsgetonchain @re ah yes, true! if you're shorting the depegged asset via the debt

@_brizal @re yeah agreed i guess its a risk relative to the possible upside you would have gotten by borrowing the plain depegging stable, in which case your debt would decrease