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Jason
@chaskin.eth
Why DeFi > Banks for Borrowing Against Assets Approval Process - Borrowing against stocks: Apply & wait for approval - Borrowing against crypto: 2 clicks Borrow More - Stocks: 50% LTV max. $10,000 in stocks → borrow $5,000 max - Crypto (ETH): Up to 80% LTV. $10,000 in ETH → borrow $8,000 max Interest Rates - Stocks: 11.375%-12.825% (Schwab), compounds daily Crypto: 1.71% (cbBTC) 2.43% (ETH) 5.54% (USDC) (Aave/Base), compounds continuously Flexibility - Stocks: Rules on what you can & can't do with borrowed funds - Crypto: No restrictions. Borrow for anything Global Access - Stocks: Limited to certain regions. Only 9-5 - Crypto: Available 24/7, anywhere in the world
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Kieran Daniels 🎩
@kdaniels.eth
Would love to get your opinion on Teller.org :6 P2P time based lending, no price oracle, no margin calls. Up to 30 days. Repay or extend at anytime. It’s basically what ETHLend was before Aave, but we figured out how to scale it. Our biggest power user profile is people who have leverage options open on Aave or Compound and then when the market dips they use Teller to borrow against their holds, get USDC without margin call risk, repay health ratio %, save leverage position on Aave = repay reborrow.
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Mac Budkowski ᵏ
@macbudkowski
Great comparison, you should post on X and tag DCInvestor because he's been talking about the pros of onchain lending :)
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Morpho
@morpho
Permissionless, efficient and transparent.
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James
@theref
tBTC 0% interest at the moment
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callum
@csmit
We just need undercollateralized lending and we are set to just abandon tradfi
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thoughtcrimeboss
@thoughtcrimeboss
100 $DEGEN
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