Fixed Credit Onchain. Lock Rates, Sell yield.

0x
Joined January 2026
Fixed-rate lending is live on Ethereum. Fira is deployed. First maturity set. Market-discovered rates. Zero-coupon bonds onchain. The fixed credit layer starts now.
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Fira is now live on @BinanceWallet !
New integrations are now live on #BinanceWallet! Check out the newly added dApps: Fira Money, Beep, Phoenix Trade, AlloX, Topaz, Derivio Discover them now! ⤵️ binance.com/en/mp-cms/app/3b…
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Tomorrow, two Fira fixed-rate markets reach maturity, and a Bond Token becomes a dollar. PT-USDe and PT-sUSDe settle on May 7, 2026. The mechanic, the actions for borrowers and lenders, and what it means structurally. 🔽
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This is the first of many. PT-USDG matures May 28. APX-USD follows roughly a month after. Each settlement validates the mechanism and adds a reference point, building blocks of an onchain yield curve. docs.fira.money
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41.57% APR. Fixed on both legs. Settled June 18. PT-apxUSD on Fira: lend USDC at 14.94%, borrow at 9.7%, loop the spread. Variable yields move. This one doesn’t.
DeFi is alive more than ever. 𝘓𝘪𝘲𝘶𝘪𝘥𝘪𝘵𝘺 𝘴𝘵𝘪𝘭𝘭 𝘧𝘭𝘰𝘸𝘴, 𝘛𝘝𝘓𝘴 𝘢𝘳𝘦 𝘴𝘵𝘪𝘭𝘭 𝘳𝘪𝘴𝘪𝘯𝘨, 𝘢𝘯𝘥 𝘨𝘰𝘰𝘥 𝘋𝘦𝘍𝘪 𝘢𝘤𝘵𝘪𝘷𝘪𝘵𝘺 𝘴𝘵𝘪𝘭𝘭 𝘦𝘹𝘪𝘴𝘵𝘴 𝘢𝘤𝘳𝘰𝘴𝘴 𝘵𝘩𝘦 𝘦𝘤𝘰𝘴𝘺𝘴𝘵𝘦𝘮. Here are some key updates and yield opportunities 👇 ------------------------------ ➢ @pendle_fi and @Saturn_btc bring STRC stock yield onchain. It got tokenized through sUSDat, offering 11% annualized yield backed by the world's largest corporate Bitcoin holder. ------------------------------ ➢ @CantonNetwork launches custom security controls for institutional DeFi. Institutions can now configure tailored defenses including transaction limits, address whitelisting, and smart contract restrictions based on their specific risk requirements. ------------------------------ ➢ @Figure reaches $1 B in monthly loan, showing tokenized credit success. They processed $2.9 billion in Q1 2026, putting it on track for $12 billion in annualized loan volume. ------------------------------ 𝐘𝐢𝐞𝐥𝐝 𝐅𝐚𝐫𝐦𝐢𝐧𝐠 𝐏𝐨𝐨𝐥𝐬 ➢ USDC DApp: @CurrentSUI Chain: @SuiNetwork APY: 9.89% (current) | 8.78% (30d avg) Pool/Vault type: Lending TVL: $3.83M ➢ HLSCOPE DApp: @Securitize Chain: @0xPolygon APY: 13.98% (current) | 1.38% (30d avg) Pool/Vault type: RWA TVL: $4.18M ➢ PT-APXUSD DApp: @Fira_Lend Chain: @ethereum APY: 14.94% (current) | 9.21% (30d avg) Pool/Vault type: Lending (Fixed) TVL: $1.5M ➢ USDC DApp: @kai_finance_sui Chain: @SuiNetwork APY: 8.59% (current) | 7.20% (30d avg) Pool/Vault type: Leveraged Farming TVL: $2.22M ➢ USDH-WHYPE DApp: @NestExchange Chain: @HyperliquidX APY: 35.84% (current) | 62.25% (30d avg) Pool/Vault type: DEX TVL: $832,511 ➢ AIUSD (Milk Vault) DApp: @yieldyak_ Chain: @avax APY: 24.09% (current) | 15.97% (30d avg) Pool/Vault type: Yield Aggregator TVL: $1.03M ➢ WEGLD-USDC DApp: @xExchangeApp Chain: @MultiversX APY: 4.37% (current) | 4.75% (30d avg) Pool/Vault type: DEX TVL: $1.04M ➢ USDT DApp: @symbiosis_fi Chain: @trondao APY: 8.43% (current) | 7.44% (30d avg) Pool/Vault type: Cross Chain Bridge TVL: $1.3M ➢ SUSDP (saving) DApp: @ParallelMoney Chain: @avax APY: 6.50% (current) | 6.50% (30d avg) Pool/Vault type: CDP TVL: $1.32M Which did I miss? Lemme know in the comments👇
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Borrow USDC at 7.63% fixed. No variable-rate risk. Buy PT-apxUSD on Pendle at ~14% fixed. Pocket the spread. Loop 8x. Net APR: 56.69%. Fixed vs fixed. PT-apxUSD/USDC live on Fira. Maturity: 18 June.
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PT-apxUSD on Fira: 7.63% fixed borrow rate to maturity. The same PT-apxUSD yields ~13% APR on Pendle until the same date. ~5.4 points of spread, locked to June 18. Right now, the math sits with the borrower.
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What makes the spread fixed: Pendle and Fira share the same maturity. Same instrument. June 18. Both legs settle at par. Onchain duration matching, in production. Read before borrowing: app.fira.money/market/pt-apx…
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PT-USDG is live on Fira. 94% LTV. Fixed rate. Predictable cost of capital. USDG goes from Pendle to Fira: a regulated stablecoin, composable across fixed-rate infrastructure. The highest capital efficiency on Fira, built on the most transparent collateral. @global_dollar
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