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Benko
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Benko retweetledi
Once people realize that you can get <3% borrow costs on any asset by denominating the loan in stables that allow yield-passthrough (as Sentora/Paypal and Agora have effectively demo'd), on-chain lending markets are going to become the default venue for everything
Few.
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Benko retweetledi
Fixed-maturity @infiniFi positions are now usable as collateral on Euler, with an early-exit path
infiniFi is the curator managing this market, while @Cassa_fyi provides infrastructure and automation monitoring tools
4-week and 13-week liUSD tranches and siUSD live now.
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Benko retweetledi
Benko retweetledi
1) These hacks in the last few weeks have reminded me why we built infiniFi. Conservative defi has taken a huge hit as a result of the rsETH contagion specifically.
There needs to be optionality in the market for various risk profiles who want to access these yield sources. If you want to take exposure with no insurance (generally most yield opportunities) you might as well get paid a premium to do so via locked iUSD.
Conversely, if you want to truly have a conservative position, you can deposit into siUSD (and earn ~6%) while sitting in an insured environment.
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Benko retweetledi
I’m proud of how fast infiniFi eliminated all risks to contagion from our balance sheet. We’ve processed nearly $20M in the past few days without ever offering less than instant liquidity. All assets remain secure and we’re happily diversified across DeFi and RWAs
As always, if you want to know where we are: stats.infinifi.xyz
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Benko retweetledi
Those who say "crypto is dead" or "DeFi is dead" don't know what they are talking about.
Banks never operated in such harsh conditions, and they always get saved by the Big Printer. As a result, their infra is horrifically bad.
In DeFi, we have to make sure that our stuff is solid, and only the fittest survives
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Can get there and higher on @infiniFi. $8K yield per month on $1M principal works out to ~9.6% APY.
$liUSD-4W gets close; 6 week and above gets you there.
Though if going all-in lump sum for retirement on a DeFi deployment you'd likely want downside protection - if so then senior tranche $siUSD is the one. Yield is lower (7.5% rn) but you have the benefit of being liquid & ~$36M in insurance.
1:1 no-fee $USDC in/out, no leverage in the book; vanilla institutional lending + fractional reserve mechanic.
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You could retire with $1M
- deposit $1M into DeFi
- earn around $7k-$8k per month
- move to Thailand or some shit...
- spend max $5k per month
- live peacefully like a king
- off-ramp through neobanks
- live off the yield tax-free
What's stopping you?
Solana Sensei@SolanaSensei
You could retire with $1M - deposit $1M into Solana DeFi - earn around $7k-$8k per month - move to Thailand or some shit - spend max $5k per month - live peacefully like a king - off-ramp through neobanks - live off the yield tax-free What's stopping you?
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Question to all OG investors
What assets are you currently accumulating for the next upside move?
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@wacy_time1 1) Has to be a plan. $ETH has quantum covered so the rest of us can build.
2) RWA's became important because you need a scalable yield source to grow freely. Being restricted to purely onchain was a bottleneck.
3) It won't die because the tech is better & trustless is the point.
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Quantum computers won’t kill crypto.
If Q-day ever happens, it won’t start with someone burning a nation-state weapon to drain your wallet. The first targets are systems where real power sits: banking rails, government infrastructure, critical signatures.
Crypto has bigger issues than quantum FUD. The space spent years speedrunning scams, so now founders want the web3 angle without the crypto label. Everyone rebrands into RWAs, tries to look institutional, even AI is starting to decouple.
If crypto dies, it won’t be because of physics. It’ll be because we couldn’t rebuild trust.
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@inversebrah Have actually noticed something similar ngl...
It feels like people were holding their breath for a number of years waiting for things to "reset" and they've just reached the point of resignation where they've given up on things ever resetting...
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As a result of the credit crunch on Morpho, infiniFi has processed $60M in redemptions over the past 48 hours, driven by our loopers being forced to delever their positions.
We're disappointed to catch flack for the poor performance of others, but proud that our product has once again proven its antifragility! We have triggered the rebalances needed to ensure that our system remains fully liquid.
As always, all funds within infiniFi remain fully secure and we have no exposure to any of the Resolv contagion.
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@Luffy_Cian 嗨，我想澄清几件事：infiniFi 对任何受 Resolve 影响的项目均无任何风险敞口，包括 Fluid。infiniFi 内嵌了偿付能力证明机制——如果储备金额与代币数量不匹配，系统将锁定所有操作，直到损失被确认核实。此外，我们未来也将上线 Accountable DVN。
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如果按照出事之前usr持有人快照，允许赎回那么存款人都可以全身而退。infinifi与reservoir在fluid有存钱，如果fluid不能全额赔付，iusd与wsrusd会受到影响。个人认为借贷平台/或者curator 在onboard任何抵押物资产应该考虑实时监控：1） 抵押充足率：vault底层资产 / vault已铸造token ≥ 1。保护的是vault自身有没有被掏空，以及token有没有被外部稀释。前者要追踪vault余额（虽然；Dilution必须监控token总供应量 vs 协议记录的合法发行量，而且要实时监听mint事件。任何一个被破坏，对我们SLF的LP来说结果一样：抵押物贬值，借出去的USDC收不回来。
个人认为借贷平台/或者curator 在onboard任何抵押物资产应该考虑实时监控：
1） 抵押充足率：vault底层资产 / vault已铸造token ≥ 1。保护的是vault自身有没有被掏空，以及token有没有被外部稀释。前者要追踪vault余额（难点在于很多进了rwa 以后就没法追踪了）； 后者要实时监听mint事件。
2） 资产准入需要增加铸造权限审计维度
3） 衡量一个资产的可提取总价值 （“壳价值”）
- 包括DEX可提取流动性+
- 借贷协议可借额：特别注意hard-coded oracle = 1的协议 - CEX流动性
当可提取总价值 > 项目发币市值，或壳价值 > 项目自身TVL → 标红，有作恶动机。
4） 自动Pause机制：触发条件（任一触发即auto-pause该抵押物的新借款）：
- 供应量突增：监听抵押物在滚动窗口内单次或累计mint量 > 总供应量的10% → 自动pause。
- DEX价格偏离：抵押物的DEX价格偏离oracle价格 > 3%（稳定币用3%）→ 自动pause。在Resolv的case里几分钟内就会触发。
- Backing ratio异常：如果能读到对方vault的backing ratio，低于某个阈值也触发。
如果是乌龙，那么在风向解除后可以手动用multisig解锁。在resolv事件中，只要不能套出usdc，即使借贷hard-code=1也没关系，借贷平台可以通过赎回底层来保障lp的本金不受损。
0xLemon@0xlemoneth
這波感覺最後買單的就是各種借貸協議(Fluid/Morpho)和存款人、代理財金庫、流動性Provider，直接存款的反而有最大的概率全身而退，畢竟底層的資產其實沒有損失 現在最重要的就是看看自己的投資部位有沒有直接、間接的接觸到 $USR 的各種曝險 當初為了防止短期價格操控，導致借貸產生清算，衍生出了 Hardcore 1 : 1 的機制，寫死穩定幣定價保證 $1，這次就出問題了 預言機是可以即時反應各種問題，不至於損失繼續擴大，但會有被操縱的問題 寫死可以保證不會被操縱，正常情況下不會出問題，但真的底層出事就是大事 只能說沒有完美的方法，看看之後又會發展出什麼新的機制吧
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@DefiIgnas Game is going to change thanks to not being niche.
More capital and flow means more opportunity for value creation and capture.
2010's were full of uncertainty. Never been comfier.
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I'd be good with crypto being a niche.
Small and quiet enough that regulators leave us alone. We use our privacy-focused, self-sovereign, borderless infra in peace.
But crypto prices pump by attracting new buyers. That ends in speculative mania followed by a crash.
Then regulators step in. Either with genuine concern to protect people or just to show they're doing something.
We probably passed the point of no return already.
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What I like to see in the morning from @PharosWatch TG alerts
@infiniFi $iUSD upgraded to B-
Check my article for Pharos DEWS here:
x.com/crazydnekana/s…
Shadow Holder@crazydnekana
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infiniFi is evolving - check out the new design👇
infiniFi@infiniFi
Introducing a new look for infiniFi. We’ve refreshed the branding, launched a new website, & rolled out a new & improved app. The same infiniFi system, built for what’s coming next.
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