➥ Which Next-Gen DeFi Lending Platform Is Right for Me? DeFi lending protocols are among the leading products in the DeFi space, with a total combined TVL exceeding $64 billion and comprising 536 protocols across various networks. As DeFi lending moves from one-size-fits-all models to innovative designs, there are three next-gen lending protocols I personally use. While they may appear similar externally, they have distinct foundational differences: ➠ @SiloFinance ➠ @eulerfinance ➠ @MorphoLabs Let's dive into our 30-second report (detailed comparisons can be found in the picture) 🧵 ... — Silo / $SILO - Silo uses an isolated lending model that contains risk within each market, offering greater security than traditional aggregated models like Aave or Compound. - Its V2 introduces modularity, allowing DeFi builders to deploy customizable markets with hook stacks for cross-market interactions and programmable elements. - Customizable elements include fixed-term lending, interest rates, oracles, LTV/LT ratios, and others while maintaining core isolation. - Silo is the first lending protocol to accept PT and LP as collateral, and this is possible because the risk-isolation allows for agile deployments of new markets. - Silo serves both DeFi users prioritizing security and builders aiming to develop products in a risk-isolated, secure environment. - Supported chains: @ethereum, @SonicLabs, @avax, @arbitrum, @Optimism and @base ... — Euler / $EULER - Euler is focused on creating a lending superapp, featuring tools like the Euler Vault Kit (EVK), a modular framework for crafting custom vaults, and the Ethereum Vault Connector (EVC), which allows for the rehypothecation for clustered/chained collateral to enhance efficiency. - Users get interest-earning eTokens for deposits and non-transferable dTokens for debts, enabling leverage by minting eTokens. - EulerSwap launched May 2025 provides lending-boosted yields, just-in-time liquidity, and LP collateral. - Euler appeals to builders and savvy DeFi users who want flexibility and leverage options; however, there might be possible risks associated with the utilization of clustered collateral. - Supported chains: Ethereum, Avalanche, @unichain, Sonic, @BNBCHAIN, Arbitrum, @swellnetworkio, Base, @berachain and @build_on_bob ... — Morpho / $MORPHO - Morpho is a hybrid aggregated lending protocol that operates as a peer-to-peer (P2P) layer on top of existing lending pools. It optimizes rates through direct matching and defaults to pool liquidity for unmatched positions. - Morpho employs isolated markets with a single pool for each asset pair and minimal governance. It clusters liquidity through MetaMorpho vaults, allowing users or curators to manage these vaults. - This method avoids shared-risk pools and tackles fragmentation, with curators managing risk through whitelists, LTVs, and oracles. - Supported Chains: Ethereum, Base, @HyperliquidX, @katana, Unichain, @0xPolygon, @world_chain_, @plumenetwork, @use_corn, @LiskHQ, Optimism, @TacBuild.

Tagged my friends that reshape the narrative and elevate the conversation. > @HouseofChimera > @stacy_muur > @belizardd > @SherifDefi > @0xCheeezzyyyy > @moic_digital > @Mars_DeFi > @Nick_Researcher > @YashasEdu > @thelearningpill > @cryptorinweb3 > @kenodnb > @Tanaka_L2 > @TimHaldorsson > @AlwaysBeenChoze > @satyaXBT > @Haylesdefi > @Hercules_Defi > @DeRonin_ > @0xAndrewMoh > @0xDefiLeo > @Defi_Warhol > @CryptMoose_ > @TheDeFiPlug > @arndxt_xo > @CryptoShiro_ > @the_smart_ape