5 Reasons Why Minterest Should Be Your DeFi Lending Protocol of Choice
Decentralised finance (DeFi) has opened up opportunities for people to grow their wealth and access financial services outside the traditional banking system. Among the many DeFi lending protocols out there, Minterest stands out. It delivers competitive returns, lower borrowing costs, and regularly audited security. Here are 5 reasons why Minterest should be at the top of your list.
1. High Earning APY
Minterest offers competitive annual percentage yields (APY) in DeFi. By having a more a capital-efficient design tied together by deflationary token economies, the platform is designed to help users earn more on their supply.
Minterest is offering up to 50% additional tokens from MINTY Emissions, NFT Boosts, Staking and loyalty rewards. The protocol offers competitive APY over 16 blue-chip assets including USDT, UCDC, ETH, and wBTC. Operating on Ethereum, Mantle and Taiko, Minterest aims to improve earnings APY, in comparison with major players Aave and Compound as shown below:
2. Lower Borrowing APR
Minterest keeps borrowing affordable by offering competitive annual percentage rates (APR). This makes accessing liquidity straightforward and cost-effective. By combining high returns for suppliers with low costs for borrowers, Minterest creates a balanced ecosystem that works for everyone, as shown on the Borrow APR graphic below in comparison to INIT Capital:
3. Lower Liquidation Costs for Borrower Thanks to Minterest’s Solvency Engine
In DeFi, liquidations occur when a borrower’s collateral falls below the required threshold due to market volatility, ensuring lenders are protected from potential losses. However, traditional liquidation processes often come with high costs that eat into borrower profits. Minterest has addressed this challenge with its unique Solvency Engine.
The Solvency Engine enhances stability by taking care of collateral, making it a standout feature in the DeFi space.
4. Smart Tokenomics with the MINTY Token
The MINTY token plays a key role in the ecosystem of Minterest. Here is the innovative part: The Buyback Engine is designed to route up to 100% of net protocol fees to on‑chain buybacks for eligible MINTY stakers and governors when activated, subject to governance approval, available reserves, and market conditions. This approach is intended to enhance long-term earning APY and may reduce borrowing APR.
5. Built for Strength and Security
In the DeFi space, security is critical, and Minterest prioritises it with nine extensive security audits conducted by top-tier blockchain security firms, including Trail of Bits, Hacken, PeckShield, and Zokyo. Minterest aims to provide a strong and secure environment for both new and experienced DeFi users.
Minterest combines competitive returns, borrowing costs, and advanced security in an intuitive platform. Whether looking to grow your portfolio or exploring DeFi for the first time, Minterest delivers the tools needed to succeed. It is not just about financial optimisation—it is about being part of a protocol shaping the future of finance.
Ready to get started? Explore Minterest’s website to see how it can enhance your DeFi experience.
Follow Minterest on LinkedIn, and X, and join the community on Discord and Telegram for updates and discussions.
All mechanisms, reward rates, fees, and security features are subject to on-chain governance, technical audits, and market conditions; they may be modified, delayed, or suspended without notice. Figures are illustrative only; results are not guaranteed, and nothing herein constitutes financial, legal, or investment advice.
03, February 2025
