Based Loans

Before Based Loans, there was Monstro. 3 years building on Base. Over $1M in USDC paid out to holders. Full transparency since day one. We didn’t launch with Based Loans - we earned it!

Based Loans integrates mUSDC by default. Your USDC stops being idle the second it touches the protocol. Here's what changes. Today, lender USDC sits in a queue until it's matched with a borrower. Between matches, it earns nothing. That gap is invisible but it's real, and across the whole book it adds up to a meaningful drag on lender returns. With mUSDC, that same USDC is wrapped on deposit. While it waits, it's already accruing value from protocol fees and external inflows into the vault. The waiting stops being a cost. Every matched loan on Based Loans routes protocol fees back into mUSDC. So every borrower you fund, and every borrower anyone else funds, grows NAV for every mUSDC holder. Lending on Based Loans compounds the primitive the whole ecosystem is built on. Mechanics for lenders: . Deposit USDC, it's wrapped into mUSDC automatically . Withdraw to USDC any time, or keep the mUSDC shares and carry the yield elsewhere . No extra clicks, no opt-in, no new mental model Just better default behavior. mUSDC is in final audit. Based Loans ships with it integrated from day one on @base. Lending that doesn't leak yield between matches. That's the whole upgrade.

Your lending protocol shouldn't decide what you're exposed to. Choose the tokens. Set the exposure. Earn fixed yield for the term. No variable rate surprises. No assets you didn't pick. 60%+ APR. Fixed. Paid by borrowers, not token emissions. based.loans @Based_Loans

We have been building on Base since 2023. One problem kept coming up. Token holders had no way to access liquidity without selling, and every lending protocol that could help came with liquidation risk they could not control. So we built Based Loans. Fixed term. Fixed price. No liquidations. You know the worst case before you start. +95% of Base assets supported as collateral. If you hold it on Base, you can borrow against it. @Based_Loans based.loans

@im_BrokeDoomer @NKLinhzk @TermMaxFi Fixed rate is solved. The hard part is fixed rate with no liquidation risk so both sides know the worst case before the loan opens.

@NKLinhzk @TermMaxFi Fixed-rate lending is something DeFi has needed for a long time

the defi lending space is still pretty fragmented. most options feel the same and haven’t really solved the biggest pain points for users. @TermMaxFi is building something different with termmax, a fixed rate protocol that lets users leverage more safely, with lower liquidation risk and limited downside. it works across multiple chains like bnb chain and ethereum, and supports over 10 tokens including crclon and up tokens. this makes it much more flexible for everyday users. @TermMaxFi also run dual investment vaults that can deliver around 50% apy when you use binance alpha tokens or usdt. if you want to be part of the next step, join the termmax ugc campaign round 3 and share your honest thoughts on the product, narrative, and roadmap. the campaign closes on april 16 utc, so mark your calendar if you’re interested.

Pawn Shop Vibes! At Based Loans, deposit any Base token as collateral. Receive USDC for a fixed term at a price set upfront. Buy your collateral back anytime before expiration at that same price. If the token goes up, you keep the upside. If you don’t buy back, the lender receives the collateral at a discount. The outcome was always defined. Coming Soon! @Based_Loans

@BenqiFinance @EnsoBuild cross chain deposit UX is the gap nobody talks about. yield is everywhere. getting there in one step is the real product!

Thanks to our @ensobuild integration, you can now access BENQI yields from whatever major chain you're on. Put simply: you can now deposit assets into BENQI Lending DIRECTLY from wallets on other chains. Here’s how it works 👇

@rhea_finance @Aptos incentive funded yield has a ceiling. When emissions dry up, so does the APR. fixed rate paid by borrowers doesn't need a liquidity mining budget to survive month 3.

Borderless Yield kickoff with the @Aptos peeps! Excited to get community support on building RHEA cross-chain lending on Aptos. Incentives coming soon!🌒

What token should be live on day one? Request it below. If enough people ask, we list it. Tag the project. Rally your community. based.loans/list

@KiiChainio @BSCNews @global_dollar @solana regulated stablecoins solve the supply side. The harder problem is what lending infrastructure sits on top: fixed terms, known costs, no surprise liquidations at 3am.

@BSCNews @global_dollar @solana Crossing $1B supply so quickly shows Global Dollar’s $USDG is becoming a backbone for Solana DeFi. Liquidity, lending, and HFT all benefit from a regulated, scalable stablecoin.

💥MILESTONE: $USDG HITS $1 BILLION SUPPLY ON SOLANA @Global_dollar's $USDG stablecoin has officially surpassed a $1 billion circulating supply on the @solana network. After just one year of deployment, the asset has evolved into a core liquidity pillar for decentralized lending, borrowing, and high-frequency trading. This rapid scaling provides a yield-ready, regulated alternative to offshore stablecoins within Solana’s high-performance ecosystem.

@TermMaxFi one-click rollover is underrated. The real unlock is knowing your next rate before you commit to it 💪

1/ Your fixed-rate loan is expiring. In TradFi, you call your bank and refinance. In DeFi? You had to: Repay full loan → Remove collateral → Re-deposit → Take new loan 4 txs. 4x gas. Not anymore 👇

@Polymarket $300M liquidated in 24h and the mechanism is always the same: price moves, oracle updates, keeper fires, position gone. The liquidation isn't the punishment. The liquidation risk is.

BREAKING: Over $300 million in short positions have been liquidated across the crypto market in the last 24 hours.

Your local pawn shop won’t let you buy back 25% of your watch. We will. Buy back any portion of your collateral, anytime before expiry. As often as you like. Take back what you need, leave the rest of the loan open. Partial buybacks. On-chain.

@TermMaxFi Fixed-rate is one answer, you know the cost upfront. Zero-liquidation is another: you know the buyback price before you open. Different problems, different solutions.

1/ Most of DeFi was built on variable rates. But variable rates are chaos — unpredictable costs, unstable yields, impossible to plan around. TradFi solved this decades ago. DeFi is catching up. Here’s why fixed income is the inevitable next layer 🧵👇

$285M gone from @DriftProtocol this week. Durable nonce attack. Fabricated collateral token. Drained in minutes. We asked ourselves a while back: what if we just removed the things that keep getting exploited? Based Loans has no liquidation engine. It does not exist. No margin calls. No keeper bots. No automated actions that can be manipulated mid-transaction. Deposit collateral. Get USDC. Buy it back before the term ends. That is the whole protocol. The pawn shop model for DeFi. But here is what really matters. Even if our 5-of-7 multisig was fully compromised, lender USDC still cannot be withdrawn by the protocol. Not by us. Not by anyone. It is not possible at the contract level. What about a fake collateral token added by a bad actor? Every lender chooses exactly which tokens they accept and how much. No one is ever exposed to an asset they did not opt into. Simple architecture. Minimal attack surface. That is the point. Live on Base this month. based.loans

@ekenedilichukuu @MssProtocol Liquidity vanishing is the real risk. With fixed-term lending, the terms are locked at open. You know your buyback price before you start. No rug, no liquidation cascade, no surprises. That's what @Based_Loans is all about! 🔥

I’ve been burned on Solana more times than I’d like to admit. Not because I was careless. Not because I didn't do my research. But because the token looked attractive. Clean contract. Decent holders. Active community. Everything pointed to "okay ✅" Then the liquidity vanished. The dev wallet emptied. And within minutes, the chart looked like it fell off a cliff. Sound familiar? If you've spent any real time on Solana, it does. Because here's something nobody wants to say out loud: Solana has a serious scam problem. And most of the tools we've been given to protect ourselves aren't actually built for the threats that exist today. That's the problem @MssProtocol is solving. 🧵🔻

@DavidVorick Embedded liquidity is protocol-level. The other side is holder-level: access your liquidity without selling. Fixed-term, zero liquidation. That's what Based Loans builds.

Embedded liquidity is liquidity that cannot be withdrawn. It's a permanent guarantee to holders that there will always be a buyer, even in the distant future. It's assurance that the token has value and will continue to have value, regardless of any market conditions.

@lcx @Algorand definitely some strong utility, but what happens when you need liquidity without selling? Borrow against your Algo. That's exactly what Based Loans does: zero-liquidation, fixed-term credit against your holdings. Your tokens stay, your cash arrives. 🔥

TOKEN OF THE DAY! Algo is the native token of the @Algorand blockchain. It powers a diverse range of applications across the Algorand ecosystem. Whether Algo holders are buying an NFT, providing liquidity in DeFi, or battling it out on a gaming platform, Algo tokens are essential. They also cover transaction fees, keeping everything running smoothly. 👉🏻 lcx.com/en/trade/ALGO-…