Why TermMax solves DeFi’s biggest lending problem In DeFi, borrowers have long needed predictable financing costs → but until now, " fixed-rate borrowing" was missing. Most protocols like Aave, Morpho, and Compound only offer floating-rate loans → that means interest rates change constantly, making it hard for users to plan long-term strategies or avoid liquidation ➥ @TermMaxFi changes that It’s one of the first DeFi-native protocol offering true fixed-rate borrowing → allowing borrowers to lock in their interest rate from day one until maturity. So, users are no longer worrying about rate spikes and reducing liquidation risks and it is better planning for DAOs, institutions, pro traders, and any yield-focused users who want to stabilize their costs Use Cases ↓ ▸ Leverage traders: Know your costs and plan your ROI. ▸ DAOs: Fixed expenses for stable planning. ▸ Institutions: Secure fixed-yield lending. ➥ Besides, TermMax unlocks powerful fixed-rate leverage tools for @pendle_fi users ▸ Supports 50+ Pendle PT with more than $12M collateral like eUSDe, wstETH, USDC with offering top APYs exceeding 10% for lenders and 15× XP Points ▸ Enables borrowing USDC/ETH to long PT and amplify fixed yield. ▸ Fixed-rate looping" where you can enter a fixed-rate looping PT position with debt asset like USDC ➥ Yield Looping with TermMax Vault depositors earn floating rates from passive Aave/Morpho yields and active TermMax yields. Direct market lenders receive fixed rates until maturity. Limit orders earn Aave's rate while pending a taker. Key Highlights ▸ Deposit USDC → Enter a looping PT-sUSDe position → Fixed yield + XP rewards ▸ Combine with Reservoir → recursive loans + airdrop farming. ▸ One Asset Deposited in a Vault → boost TVL & retention. ▸ XP system encourages strategic experimentation. ▸ Vault depositors earn floating rates, while direct lenders earn fixed rates by lending directly to borrowers. TermMax is more than a lending protocol → it's a fixed-yield engine that plugs into the entire DeFi stack. Whether you’re a trader, DAO, or institution, it lets you build secure, repeatable, and capital-efficient strategies