Fixed Rate Credit Products - Is That a Good Idea?

Right now across many of the dfi protocols, like your makers, your compounds are obbas there's about ten billion dollars worth of outstanding loans. If the ability to borrow in a fixed rate existed, you could expect that market to be somewhere on the magnitude of, like, four times larger. The fact that all lending and defy is over collateralized is hugely restrictive on the market for lending. However, without the ability to have legal recourse to go after a delinquent borrower, it is very scary to lend an under collateralized defy ap protocol such as defi.

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