Introducing adaptiFi

Minterest is partnering with the Morph Team to introduce adaptiFi, a lending and borrowing protocol built specifically for Morph L2. This collaboration is designed to achieve a seamless integration of Minterest’s lending infrastructure with Morph’s high-performance Layer 2 ecosystem.

What is adaptiFi?

adaptiFi is the first-ever franchise deployment of Minterest, extending its lending infrastructure to the Morph ecosystem through a new model for protocol expansion. The Dapp follows Morph’s branding and UI standards, ensuring a familiar experience for Morph users while remaining fully linked to Minterest’s documentation and communication channels.

adaptiFi brings Minterest’s lending model to Morph L2. It aims to maximise user rewards by capturing and redistributing value through its unique Buyback Engine. 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, creating a fair, efficient, and sustainable lending ecosystem.

What is Morph L2?

Morph L2 is an Ethereum Layer 2 scaling solution designed to improve transaction efficiency using optimistic and zero-knowledge rollups. Morph L2 supports a wide range of DeFi applications by reducing transaction costs and increasing throughput, enabling seamless interactions across its ecosystem. More details can be found here.

Minterest & Morph Partnership

Minterest and Morph share a vision of expanding DeFi accessibility through low-cost, scalable lending solutions. With adaptiFi, Minterest brings its lending innovations to Morph L2, aiming to make decentralised finance more secure, efficient, and accessible to a wider audience. This collaboration makes DeFi lending more accessible, scalable and cost-efficient. By leveraging Morph’s Layer 2 infrastructure, users benefit from lower fees, faster transactions, and enhanced accessibility.

What Makes adaptiFi Unique?

adaptiFi is designed to maximise user rewards by capturing and redistributing value through its unique Buyback Engine. 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 innovative approach enhances long-term earning APY and reduces borrowing APR, creating a fair, efficient, and sustainable lending ecosystem.

Benefits of adaptiFi for the Minterest Community

The introduction of adaptiFi supports Minterest’s broader strategy of increasing TVL, reinforcing the protocol’s utility and sustainability.

Higher TVL: Helps strengthen lending efficiency and capital reserves.
Enhanced MINTY Buyback: Increased participation contributes to the buyback mechanism for MINTY.
Community Growth: Morph L2’s ecosystem introduces new users to Minterest, driving adoption.

adaptiFi assets

The adaptiFi platform enables lending and borrowing for the following assets:

USDC
USDT
WETH
WBTC
BGB (Bitget Token)

A 20% collateral factor applies to all assets mentioned above.

What’s Next for adaptiFi?

The launch of adaptiFi represents a series of improvements over several phases in integrating Minterest’s advantages into the Morph ecosystem.

Phase 1: Supply-side lending goes live for early adopters ✔️
Phase 2: Borrowing is introduced once sufficient liquidity is built ✔️
Phase 3: Planned full-feature lending ecosystem with NFT-based emission boosts and loyalty incentives.
Integration Expansion: Future developments will integrate deeper Minterest functionalities into adaptiFi.

adaptiFi strengthens Minterest’s position within the Layer 2 DeFi lending sector, ensuring continuous expansion and adoption across evolving blockchain ecosystems.

More exciting developments are on the way—stay tuned!

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To keep up with the latest updates on adaptiFi and Minterest’s expansion, follow us on our official channels, Minterest Social Communities.

Buy-back percentages, APY/APR improvements, collateral factors, and phase timelines are targets based on current parameters and may change through governance decisions, audits, or market conditions; they may be modified, delayed, or suspended without notice. Figures and examples are illustrative only; results are not guaranteed, and nothing herein constitutes financial, legal, or investment advice.

25, February 2025