Pendle price

I believe that despite all the innovations in DeFi, we are still missing one crucial product: A robust money market, particularly for fixed-rate borrowing. Consider these pain points due to volatility of borrowing rates: ▸ The fluctuating costs of floating-rate loans ▸ Increased liquidation risks and limited flexibility ▸ Challenges in planning sophisticated strategies ▸ Complexity and unpredictability in ensuring profitability When I discovered @TermMaxFi, I felt it was the solution DeFi power user and institution have been waiting for. TermMax is the first protocol that offering a full-fledged fixed-rate borrowing market which allow borrowers to lock in their interest rates from the start until maturity. But how? In a nutshell TermMax works by 3-tokens approach (check graphics for more details): ▸ FT / Fixed-rate Token (held by Lenders) → Zero-coupon bond-like token → Redeemable for principal + interest at maturity ▸ GT / Gearing Token (held by Borrowers) → Redeem collateral after repayment by burning GT This design streamlines the leveraging process through token trading via custom AMMs, making leverage accessible, efficient, and predictable. It's important to note that TermMax doesn't replace existing lending or fixed-rate protocols like @MorphoLabs, @aave, or @pendle_fi; instead, it synergizes with them. But we'll discuss this further in the future. So, stay tuned!

While most RWA projects are still figuring out how to move assets onto the chain, @Novastro_xyz is already addressing how to ensure these assets continuously generate returns. AI-Driven Yield Engine ————————————————————————— Logic of Traditional RWA Projects: Real estate on-chain → Tokenized into shares → Users hold for dividends Logic of Novastro: Real estate on-chain → AI engine analyzes all yield opportunities → Automatically routes to optimal strategies → Compound returns reinvested Operational Mechanism ————————————————————————— Yield Signal Detection: Real-time monitoring of DeFi APY fluctuations, interest rate changes, and liquidity depth to identify arbitrage windows Strategy Portfolio: Optimal combinations of lending, LP, and staking selected based on risk preferences, seeking higher adjusted returns across chains Recursive Reinvestment: Returns automatically reinvested in the form of RUSD or $XNL, creating a compounding cycle Novastro's AI can make optimal decisions in this high-frequency environment. Yield Source Structure ————————————————————————— Base Yield: Rental income, bond interest, and invoice discounting returns generated by RWA itself Platform Yield: Native returns from RUSD staking pools and $XNL liquidity incentives DeFi Yield: Integrated returns from protocols like Aave, Curve, Pendle, etc. Routing Alpha: Additional returns from cross-chain arbitrage, rate differentials, and RUSD price spreads AI Strategy Yield: Excess returns obtained through volatility modeling and risk assessment A 6% base bond can achieve an effective APY of 15-20% through this system. $XNL Value Capture ————————————————————————— In addition to conventional governance and fee functions, $XNL also unlocks several unique use cases: UAE Visa Program: Obtain a golden visa (10 years) or retirement visa (5 years) through real estate investment with Novastro Beta Application Priority: $XNL holders get priority access to mobile RWA investment tools FlipFund Participation: Entry threshold for tokenized home renovation projects Yield Gamification: Staking leaderboards, achievement NFTs, compounding multiplier rewards ————————————————————————— As RWA shifts from passive holding to active optimization, from manual management to AI automation, @Novastro_xyz is redefining the yield efficiency of on-chain assets.

Pendle yield tokenization turns @Theo_Network's thBILL into a 16.39% fixed APY juggernaut via PT-thBILL. You can then use it as collateral on @eulerfinance to borrow USDC at 5.99% APY. Topically, this is NON-RECURSIVE loop printing 109.99% APY (~8.7% RoI in 29 days). NFA