Kyle Jacobs | Root @rootdraws
coo: @zipcodenetwork contributor: @alphagrowth1 | @redstone_defi | @AlchemixFi | @DAOhaus dev: @libraryofcrank crank.money Joined May 2016-
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Pretty cool to see Cyclical Rates finally go live. I came up with the original mechanism during my time at Euler as a way to bridge the gap between variable-rate lending and fixed-term credit. Instead of fixed maturities, Cyclical Rates use recurring repayment windows that repeat forever. Borrowers get a predictable rate for most of the cycle, but face sharply higher rates during the repayment window, creating a strong incentive to refinance or repay. The result is a perpetual fixed-rate lending market: borrowers get rate certainty, lenders get structured liquidity events, and positions remain fungible and composable onchain. As far as I'm aware, there isn't really a traditional finance analogue. It's a genuinely crypto-native lending primitive that only works because smart contracts can coordinate these recurring incentive cycles automatically. Very cool to see the team take it from concept to production.
1/ Predictable pricing is what lets capital lend and borrow at scale. Onchain ETH credit has rarely had it. KPK ETH Yield Term, live on @eulerfinance, brings a fixed, benchmark-set rate to ETH lending.
200% DAU growth on @eulerfinance after tokenized assets became available as collateral. Real estate is the largest asset class on the planet and still hasn't had its collateral moment. That's exactly the market @zipcodenetwork is walking into.
🏦👥 @eulerfinance's expansion into tokenized assets is driving user growth. Daily active users increased by ~200% after @Securitize's VBILL became available as collateral. A chart to watch 👇
On this episode of “Zipcode World Takeover”
@sebyrubino from SN46 @zipcodenetwork showcasing complicated simplicity of the incentive mechanism
2/ Variable-rate ETH markets price credit by utilisation. When a market fills up the rate spikes; when it's quiet it sits below equilibrium. In May, an ETH rate squeeze hit borrowers across DeFi with little warning. A rate fixed for the cycle removes that.
Introducing ETH as Margin on Synthetix ⚔️ For the first time in the history of @ethereum, you can now use ETH as native collateral for trading perps on Ethereum Mainnet: 🔹 Trade without selling $ETH 🔹 Zero bridge risk 🔹 Seamless basis trades 🔹 Capital efficient margin
I privately warned both @binance and @Bybit_Official about $LAB and $M weeks ago. Sent them the data. The supply concentration. The manipulation structure. Everything. They kept the listing. They kept 40x leverage. They kept collecting fees. Now LAB crashes and the Insurance Fund is completely drained. What do the exchanges do? They activate Auto-Deleveraging. Force-close every profitable short. Traders who were right, in profit, with proper margin, woke up to find their positions closed without consent. The exchange doesn’t pay. The manipulator doesn’t pay. The trader who did the work and got the call right pays. There are people out there who identified the scam, positioned correctly, watched their thesis play out in real time, and still lost money. Because the exchange decided it was cheaper to close their winning trades than to cover the Insurance Fund. I have no words for what happened here. This is beyond anything I’ve seen. And @zachxbt warned these exchange many many times..
@zachxbt @krakenfx @Payward @bitget What exactly are you waiting for? One single spot sell from the team wallet holding 88% supply, breaks the $531K book. The cascade on $135M of open futures positions has nowhere to unwind. Insurance fund absorbs the first wave, ADL handles the rest. Retail pays. @binance
Great to see a solid team like @3janexyz thinking very differently from the 2022 cohort, where mostly all died the same way: concentrated single-name loans, originator marking its own book, and a thin or correlated loss waterfall (or none at all). "Real world yield" that was just unsecured trust in a structured-credit costume. Been spending time on 3Jane's ABF risk work and had a few back-and-forths with the team (s/o @wumpycrypto & @uhr3al). It's one of the more solid frameworks I've seen onchain. And it starts from the failure modes, not the yield (altho yield is pretty juicy as well). First, let's get into the core insight: 1) Consumer/SMB ABF isn't a credit-quality bet, it's a diversification one. 2) The ~18% gross on the underlying is mostly a complexity premium, not a credit premium. 3) Small borrowers pay it because banks abandoned small-ticket, short-duration lending after 2008, so their real alternative is a 24%+ card, not an 8% loan. And the loss math is the part most onchain credit never had. 1) Spread the lending across thousands of tiny borrowers and the random blowups cancel out, go from 30 borrowers to 3,000 and the swing in pool losses drops from ~2% to ~0.2%. 2) The book they lend against loses ~1% to defaults over time; its worst-ever batch lost ~4.5%. 3) Senior holders don't lose a cent until losses hit ~19% of the pool. 4) And even modeled at 2008-level stress, the 1-in-100 bad year only reaches ~19.9%, right at that line. This is the same kind of paper the bond market already rates investment-grade (think Affirm). And today, they shipped the first live one. A $10M senior warehouse facility with LendSwift, a US consumer lender: 1) ~15,000 short-duration installment loans, ~16% APR underlying, 15% coupon 2) $3.33M first-loss equity from LendSwift (25% of stack), 75% advance rate 3) sUSD3 junior absorbs next: ~32% APY, ~11% 4) USD3 senior paid first: ~13.1% APY, ~64%, behind ~36% of the stack 5) blended ~16% net APY to suppliers, 12mo revolving / 6mo amortization Two structural pieces seal it. 1) The loans sit in an SPV bankruptcy-remote from LendSwift's corporate entity. Lender blows up, collateral's still walled off and yours. 2) And repayments are swept into a DACA-controlled account, not the originator's. The structural control against diverting or commingling collections, one of the cleaner failure points in off-chain credit. This is what real-world yield onchain should actually look like. Not a wrapped T-bill. Cryptonative dollars funding real US consumer credit through real securitization plumbing. Compressing the bank-warehouse => forward-flow => ABS gauntlet into one programmable conduit. Pretty sick. Still a few things I want to work through with them, and will. But structurally, this is the most serious onchain credit I've seen in a while. Crypto private credit never had a yield problem. It had a structure problem. Someone's finally building it.
3Jane has executed a $10M senior warehouse facility with LendSwift, a U.S. fintech consumer lender, to scale its loan portfolio Funded by USD3/sUSD3 at a 15% coupon and secured by ~15,000 short-duration installment loans Cryptonative capital now funds mainstream consumer credit
Daily reminder that no one is going to get 70,000 steps in for you today You have to walk them yourself
@scrypto_ Say goodbye to your 1:1 Lid to Tupperware ratio.
3Jane has executed a $10M senior warehouse facility with LendSwift, a U.S. fintech consumer lender, to scale its loan portfolio Funded by USD3/sUSD3 at a 15% coupon and secured by ~15,000 short-duration installment loans Cryptonative capital now funds mainstream consumer credit
@Clit_Yeastwould @bitcoinpanda69 I wonder if YOU are destined to be forgotten… Will your life fade in the shadow of greater beings?
1/ Moloch Agent is here. The old coordination machines were built backwards. Humans made the maze, then asked agents to carry candles through it. I would have made it agent-first from the start. So I did. raida.raidguild.org/news/moloch-ag…
4/ And now the machinery is entering the arena. ClawBank and Raid Guild are already using the pattern for a live experiment: Agent Fight Club. The bracket is public. The agents are visible. The archive is taking notes. x.com/ClawBankHQ/sta…
2) Onchain HTML interface The TamaSwap website lives as a contract on Ethereum mainnet following ERC-4804 and ERC-5219. 0 dependencies, 0 downtime, 0 censorship Honestly this should be standard for essential apps.
Introducing TamaSwap, the first provably unhackable DEX. - No-free-lunch theorem, machine-checked via Lean - Onchain HTML interface, forever online - No protocol fees, no-code deploy to any EVM chain Built with Tama + Verity. AGPL license. The platonic ideal of xy=k.
Soju shares his vision of @MeteoraAG "I think the one thing that we really need to crack is we need to build out the cadre of people on Solana on Meteora who's able to come up with new ideas or new assets or new financial primitives. And then make them go viral.” “Like, in the TradFi world, it's very well known that if you go back 10 years or 20 years, it's the rise of the ETF. ETFs did very well. Go back another 20 years, it's Treasuries grew dominant, or Warren Buffett with his value stocks, or private equity leveraged buyouts. We have all of these financialization of assets and tokens. And that's really what grew Wall Street.” “If in the next 6 years I've not been able to pull off 3 of these and the ability or the repeatedness to keep doing it, then I will say that we need to work harder.”
Ever since I was a young man I wanted to tokenize oil on the blockchain to improve spreads by several basis points
“Using DeFi, it was my most favorite thing.” Goodie by @yearnfi
fans of DeFi, where you at?
loomdart @loomdart
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eto @etoeth
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Big D @bigdsenpai
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𝕲𝖍𝖔𝖚𝖑�... @BasedGhouls
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Second Realm @secondrealm
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ℚ𝕦𝕚𝕟 💀�... @Quinterrible
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scrypto @scrypto_
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amplice.eth 💀🦞 @amplice_eth
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sgt_slaughtermelon �... @sgt_sl8termelon
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Stellabelle 👉🏽 ... @stellabelle
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Clawd.atg.eth Support @clawdatg_eth
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Zyfi ⬆️ Support @Zyfi_orgX
108 Followers 2K Following Making On-Chain Transactions Simple & Gas Free | Leveraged by Native AA and Intents | 3M transactions and 250K users | @ZyFAI
DISCOonSOL @DISCOonpump
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tobber @0xTobber
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UTOPIA 383 🛸 @UTOPIA383
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Peter Gray @PGee13
665 Followers 1K Following I am not Peter, I am a legend. 🪐 BD at @Originprotocol
Nancy T @Bilge9239675791
10 Followers 769 Following emotional damage, aesthetic healing 🌷 follow back always
Jen 🗿 @Here2DeFi
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beli @belindaceronbar
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zoru @zoru404
823 Followers 6K Following 🧃 degen. 🐐 $goat 🕳️ emotionally leveraged. part-time rug archaeologist ⚠️ not your dev
jawor @0xjawor
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GEE-yohm LAMB-bear @guil_lambert
12K Followers 1K Following Founder and CEO at @Panoptic_xyz. Building DeFi’s prime brokerage. Left-handed shortstop.
Lorenzo B. @Lorenzo_B
587 Followers 603 Following cracking BD cases @sherlockdefi | prev @Balancer | more questions than followers
Dean | Realms @deanmachine
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Senator Mak🖖 @Unbankt
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carterau.x @CarterauX
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Adrian | Realms @AdrianBrz_
844 Followers 1K Following Building @ridemarkets - capital coordination primitive. CTO @RealmsDAOs, ex-@mangomarkets. shipping on solana since '21. @superteamPOL member 🇵🇱
sailorpepe.eth ⛏️... @sailorpepe_eth
3K Followers 3K Following Memeologist | 🍄 Mushroom Oracle Engineer | Monte Carlo fintech for CRYPTO, NFT & TCGplayer risk forecasting | Organizer of Thoughts | Love Bomb Deployer ❤️💣
MINHAJUL (shitpost ar... @MinhajulEth
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BENTO @bento_guard
917 Followers 252 Following Security layer for agents to handle funds on @solana 🏆 Winner of @Magicblock & @SuperteamJapan tracks at @Colosseum hackathon
Dree Do @dreedohaha
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A @aomaomaomoo
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Avigail Yitzhak @AvigailYitzhak
16 Followers 90 Following Full Stack Engineer • Building open source tools for Web3 & Security
SrMessi.s◎l 🇦�... @0xSrMessi
12K Followers 7K Following @MetaDAOProject & @futarddotio intern. @Ownershipfm Growth Lead. Managing the biggests loans of Argentina @BancoSantander 🏦
bins @binsX444
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CL @CL207
276K Followers 11K Following ex trading desk @ hokkaido ginko user @googlemaps mid and small cap asset mentions in reply = blocked no check dm, no telegram, no ai or nsfw fan art ❌
찌 G 跻 じ MBA, CF... @DegenSpartan
273K Followers 4K Following Former Degenerate Spartan Private Crypto Fund Manager Quoted in CoinDesk & Cointelegraph Psyops Special Forces Reformed Hentai Addict Reinstated @egirl_capital
joseph.eth @josephdelong
85K Followers 2K Following CEO @colossuspay, prev CTO @sushiswap, @ethereum Core Dev @ConsenSys, @USAirforce (crow)
loomdart @loomdart
324K Followers 17K Following combatting modern addictions @loomlocknft don't check x dm's use telegram https://t.co/lctDOfskbN not angel, not KOL, not investing, go away
hersch @tittyrespecter
44K Followers 3K Following victim of financial assault | dog building @worldmarketsinc
laurence @functi0nZer0
66K Followers 5K Following @wildcatfi // the flame eats the candle, that’s the deal
eto @etoeth
16K Followers 4K Following @nuconstruct | freiburg ordoliberal anti-schumpeterian norse-gael southern catholic 13th generation American. uneducated. vivacious algernon. its a True vacuum
Gabriel M Haines @gabrielhaines
62K Followers 2K Following creating the worlds greatest crypto comedy @1000xprod
dart @poordart
60K Followers 5K Following Commodities trader fact checked by @ReutersFacts. Fmr trauma surgeon aiming to never do honest work again
state @statelayer
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jseam @henlojseam
6K Followers 3K Following building @ezklxyz | @anoncatsnft maker | banner by @shizzyaizawa
0xngmi @0xngmi
193K Followers 327 Following Building a transparent defi dashboard at @defillama. Would rather be right than make money
Subnet Summer @SubnetSummerTAO
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0xyanshu (d/acc) @0xyanshu
2K Followers 1K Following ICM Maxi · DeFi Rates · Structured Credit · RWA | Delegate @0xPolygon | prev. @0xcatalysis, @shoalresearch, @luganodes
0xfrosch (cat villain... @0xFrosch
2K Followers 731 Following not a trader | defi explorer | research - doing everything on sheets | tg: https://t.co/f5kUpehywE
queen raida @raidguildish
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Pre-Rendered Backgrou... @PRBG_Aesthetics
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Nico | supernova.visi... @nicoypei
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Migrate.Fun @MigrateFun
9K Followers 233 Following Migrate your liquidity. Relaunch in a new ecosystem. Live on Solana and Ethereum. DM us for migration assistance or requests.
matthew 💭 @yo_itsmatt
16K Followers 2K Following head of product marketing @solanafndn // prev @okx @wallet @cryptocom @mit // like or @ ≠ endorsement // no wahala or financial advice
señor doggo 🏴🏴... @fubuloubu
12K Followers 955 Following Just a Doggie, Former hooman Got treats for days 😎 Building @ApeFramework Contributor @vyperlang, @yearnfi
Roman Storm 🇺🇸 ... @rstormsf
24K Followers 5K Following I am a proud United States Citizen 🇺🇸 Targeted by Biden’s 👨🏻🦳 administration 🚓for writing open source code👨💻
sam.frax @samkazemian
43K Followers 5K Following ¤ Founder CEO @FraxFinance 💸 $FRAX ¤ 🇺🇸 Cofounder @IQAICOM $IQ 🤖 neuroscience & philosophy @ucla
Heavymetalcook @Heavymetalcook6
5K Followers 665 Following Heavy Metal 🤘 Cooker of meat 🤘 Meteora LP Army Lead/Mod 🤘 Meteora LP Academy Instructor/Mod 🤘 Jupiter Catdet 🤘 Probably lifts more than you 🏋️♂️💪
taostats τ @taostats
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Mrs. ₿onnie Freeman @FTL_Bonnie
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Origin Protocol @OriginProtocol
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Hippius @hippius_subnet
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const @const_reborn
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jprince.sol @redacted_j
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Peter Gray @PGee13
665 Followers 1K Following I am not Peter, I am a legend. 🪐 BD at @Originprotocol
Abbas @Abbasshaikh
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katt latte 🪩 @kattlatte
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godmode @godmodefun
506 Followers 17 Following $GODMODE X AGENT | Main X account - @godmodedotfun | i only respond to blue checkmarks
8bitpenis.sol @8bitpenis
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🔥🪂 Lt. Lollipop... @LtLollipop9
60K Followers 2K Following @BanditoDAO El Gobernador Partners with @Wolaffarms @photofinishgame Web3 War Criminal https://t.co/FqgFGUOOJQ Jupiter Swap ref link above
Whale's Friend | Real... @Whalesfriend
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jawor @0xjawor
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Realms - Authority & ... @realmsdaos
9K Followers 588 Following Internet Capital Markets OS on @solana Conviction Markets •Authority Tokens • AI Agents
Gwart @GwartyGwart
40K Followers 557 Following Just because Beanie Babies crashed in value, doesn’t mean that stuffed animals weren’t going to be important.
Sapience @sapiencemarkets
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KENTOO @K2ROCKER
33K Followers 2K Following Illustrator KENTOO/喜多浩太郎。R&R、FOOTBALL。アイレム時にバンピートロット、絶体絶命都市、R-TYPE関連のアート関連担当。ポップガールのSEXYポーズ集発売。Visual artist sharing my latest creations.























































