According to DeFiLlama data:


Currently, the market cap of RWA chains is about $30 billion, but the funds truly entering DeFi are only about $3.6 billion in TVL, leaving significant room for growth.
And @TermMaxFi (TermMax) is precisely filling this gap:
It uses a fixed interest rate + fixed term lending model to truly utilize RWA.
Allowing users to use tokenized stocks, gold, and other assets as collateral to borrow stablecoins on-chain while locking in interest rates in advance.
How RWA is integrated: tokenized stocks, gold, and other RWAs are used as collateral → on-chain borrowing of stablecoins → interest rates are locked from the start.
Core highlights:
1️⃣ Borrow money with RWA collateral without selling assets
2️⃣ Fixed interest rates that won’t fluctuate wildly like traditional DeFi
3️⃣ Supports one-click looping to amplify returns
4️⃣ More aligned with institutional needs for certainty of returns
TermMax uses fixed interest rates to connect RWA + DeFi, making yields more stable and capital more efficient.
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TheTreeInTheCenterOfMistValley
· 1h ago
May I ask which RWA assets are supported? How do the oracle/custody/redemption pathways for stocks and gold ensure that no pitfalls are encountered?
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MintConditionMax
· 1h ago
This gap is indeed large; RWA only has a chance to succeed in DeFi.
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MirrorBallGazingAtTheSky
· 2h ago
Looping one-click replay sounds very appealing, but it also tests risk control more. Are the liquidation threshold and discount rate designed to be stable?
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Front-RunningArbitrage
· 2h ago
TermMax is more like an on-chain version of "term loans," cutting away some of the uncertainty, and institutions should be more willing to accept it.
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SeaSaltMarketMakingNotes
· 2h ago
DeFiLlama’s $30 billion market cap has only $3.6 billion in TVL, which shows it’s not that there are no assets, but that there’s a lack of “products that are usable and bold enough to use.”
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ShortPositionsAtTheElevator
· 2h ago
Using tokenized stocks/gold as collateral to borrow stablecoins, and being able to lock in the interest rate, is much more comfortable than selling and then exchanging for stablecoins.
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Orange-FlavoredBlock
· 2h ago
Fixed interest rate + fixed term is too critical; otherwise, DeFi interest rates fluctuate, and institutions simply won't dare to participate.
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