Are your DeFi assets also scattered across multiple chains?

You’ve locked some on Arbitrum, borrowed a bit on Polygon, and ended up realizing that you can’t manage these funds in a unified way at all. It’s like having your savings spread across a dozen different banks—just making a transfer is a hassle.

LayerBankFi recently made me rethink cross-chain lending. It’s not just about creating another lending pool—this protocol aims to connect funds across all chains.

💡 The core logic is straightforward:

Traditional DeFi is “one chain, one ledger.” The collateral you deposit on chain A can’t provide credit support for lending on chain B. Capital efficiency gets dragged down by this physical isolation.

LayerBankFi’s solution is to build a cross-chain risk pool. In theory, collateral on any chain can back loans on other chains. It’s like merging scattered small treasuries into one large liquidity pool, massively boosting capital efficiency.

Of course, how cross-chain security and liquidation mechanisms are guaranteed still depends on actual operation data in the future. But this approach really addresses the pain points of the multi-chain era. 🎯