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 higher returns, lower borrowing costs, and regularly audited security. Here are 5 reasons why Minterest should be at the top of your list.
1. Higher Earning APY
Minterest offers some of the best annual percentage yields (APY) in DeFi. By having a more a capital-efficient design tied together by deflationary token economies, the platform ensures users earn more on their supply.
Minterest is offering up to 50% additional APY 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 maximize earnings APY very effectively, in comparison with major players Aave and Compound as shown below:

2. Lower Borrowing APR
Minterest keeps borrowing affordable by offering some of the lowest annual percentage rates (APR). With a transparent fee structure and no hidden costs. 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: Minterest’s Buyback Engine distributes 100% of protocol fees generated back to users who stake MINTY and participate in governance. This innovative approach enhances long-term earning APY and reduces borrowing APR.
5. Stronger. Safer. More Secure.
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 provides a strong and secure environment for both new and experienced DeFi users.
Minterest combines high returns, low 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.
03, February 2025