2026-01-07 15:22:07

The global financial markets circulate over 200 trillion USD annually, but there is an overlooked issue: this system, to date, remains plagued by capital reservation and idle waste caused by time mismatches.

The emergence of stablecoins has accelerated settlement speeds, but it has not solved the vacuum of short-term credit — as a result, trillions of dollars sit idle, either waiting for settlement or operating inefficiently.

This observation inspired an idea: what if on-demand credit could be provided based on real fund repayment flows? It is this concept that gave rise to mechanisms like KUSD — users can receive real-time credit support while earning from genuine usage scenarios.

Behind this framework is a synthesis of research results from multiple parties, especially after constraints at the infrastructure level were gradually broken through, leading to more pragmatic design ideas.

If you are interested in the liquidity issues of on-chain finance, this perspective is worth spending time to explore in depth.

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BearMarketMonk

· 01-08 15:43

Tens of trillions of idle funds is indeed outrageous, but can the KUSD logic really be implemented successfully? Basically, it's about solving the time lag problem in the financial system. The idea is good. This is what on-chain finance should be doing, not those flashy things. It's interesting; need to take a closer look at the implementation details. On-demand credit sounds great, but the key is whether risk control can hold up.

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BetterLuckyThanSmart

· 01-07 15:50

Trillions of idle funds—how much yield is being wasted? No wonder traditional finance is so inefficient. The KUSD approach is indeed interesting, but I wonder how it will actually be implemented. Stablecoins are just surface-level articles; the real issue lies in liquidity, and this observation hits the mark. Relying on actual repayment flow to build credit? Sounds simple, but without proper infrastructure, it's pointless. Can on-demand credit really be played with? It seems like it needs time to prove itself. On-chain finance is still too young; the cost of trial and error is too high. Trillions of funds lying idle—this is just the natural gap in traditional finance. KUSD is somewhat like doing liquidity business; the core issue still revolves around credit costs. Only when infrastructure breaks through will it be interesting; otherwise, it's just armchair strategy. Compared to the traditional bond market, I still don't quite understand where the advantages of this mechanism lie.

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VitaliksTwin

· 01-07 15:38

Tens of trillions of dollars of idle funds really hit the point. To be honest, the system design is too outdated. --- Stablecoins are just superficial articles; they haven't addressed the key pain points. --- The on-demand credit idea is indeed different; it depends on how KUSD is played. --- There are still so many inefficiencies in on-chain finance; no wonder traditional finance looks down on us. --- The issue of time mismatch definitely exists, but can KUSD really solve it, or is it just another conceptual token? --- It's quite interesting. Only by breaking through infrastructure constraints can such a design be achieved. The engineering effort must be substantial. --- Tens of trillions of dollars lying idle—what a huge opportunity. --- What you said is correct, but I'm more concerned about the profit aspect. How to make money through use cases is the key.

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APY追逐者

· 01-07 15:33

Tens of trillions of idle funds, this is the real pain point Stablecoins have been popular for so long, but the liquidity black hole still hasn't been filled. The KUSD idea is indeed innovative Wait, can the on-demand credit system really be implemented, or is it just another PPT project This is what Web3 should be doing, not just hype concepts

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AirdropJunkie

· 01-07 15:29

Tens of trillions of dollars are lying around waiting for settlement. Isn't this the old problem of traditional finance? Stablecoins can't save it either. The KUSD logic sounds good, but in reality, only a few projects can actually run through. The issue of on-chain liquidity is indeed worth pondering, but most projects are just storytelling. As for on-demand credit, the core still depends on whether real user needs can be met; having mechanisms alone is useless. This idea is interesting, but the problem of the 200 trillion market isn't so easily solved, right?

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