Introducing adaptiFi
Minterest is partnering with the Morph Team to introduce adaptiFi, a lending and borrowing protocol built specifically for Morph L2. This collaboration ensures 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 is designed to maximise user rewards by capturing and redistributing value through its unique Buyback Engine. Minterest’s Buyback Engine distributes 100% of protocol fees generated back to users who stake MINTY (Minterest token) and participate in governance. This innovative approach enhances long-term earning APY and reduces 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, making 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. Minterest’s Buyback Engine distributes 100% of protocol fees generated back to users who stake MINTY (Minterest token) and participate in governance. 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: Strengthens 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: 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.
25, February 2025
