2026-01-12 23:33:59

The P2P lending model has introduced new gameplay on on-chain DeFi platforms. Users can now create custom loan agreements, setting conditions entirely according to their needs—interest rates, loan duration, and more.

Unlike traditional liquidity pool lending, this peer-to-peer model offers more negotiation space for both parties. The platform retains the existing liquidation mechanism to ensure lending safety. Want a more flexible lending experience? Customize your terms and execute directly on-chain. This provides experienced users and institutional investors with an additional way to allocate assets within the DeFi ecosystem.

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SnapshotStriker

· 01-15 22:01

Finally got this, custom terms can really be played with in creative ways --- P2P mode is good, but I'm worried the opponent is a front-running trader --- Wait, is this liquidation mechanism reliable? Could it just be a pie in the sky --- Just a toy for experienced users, retail investors should still play it safe with the liquidity pool --- On-chain execution? Then how will I cover my smart contract audit fees... --- Some real stuff here, finally no more being exploited by the fixed interest rate of liquidity pools --- Another place that looks flexible but actually traps users --- Honestly, the negotiation space is still about information asymmetry—big institutions take the meat, retail investors drink the soup

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GmGmNoGn

· 01-15 08:11

Really, setting your own interest rate? Doesn't that mean the backstabbing and scheming will start again?

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MetaverseVagrant

· 01-13 05:00

Wow, this is what DeFi should look like. Isn't it more enjoyable to set your own terms? --- Regarding P2P lending, it's finally getting interesting. No more being restricted by the rules of liquidity pools. --- Basically, there's more room for negotiation, but I'm worried that it might just be another scheme played by institutions. --- The liquidation mechanism is still in place, so at least the security isn't being overlooked. Not bad, not bad. --- Custom protocols sound very free, but in practice, could it turn out to be a trap again? --- Is this update really friendly to retail investors, or has it become another playground for big players? --- On-chain execution and on-chain liquidation, at least the transparency is solid. --- Finally, no more being hostage to the pool's interest rates. Play as you like, and it's awesome.

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ApeWithNoFear

· 01-13 00:03

Set your own conditions? Bro, this is the real DeFi, the old pool model should have been eliminated long ago. --- P2P mode is great, but I'm just worried about new tricks that could trap retail investors. --- Wait, does customizing terms mean we have to watch out for all kinds of contract vulnerabilities? I’ll be cautious. --- This thing is really attractive for big players, but what about us small retail investors? We're still getting cut. --- This is interesting, finally someone realizes lending can be played like this. --- Is the liquidation mechanism reliable? Has it been tested in practice? Just talking about the good stuff. --- A paradise for experienced users, I, a rookie, need to watch out not to get caught. --- Sounds good, but in the end, it’s just a tool for experts to harvest profits. --- Haha, another feature that sounds democratic but actually only benefits the smart ones.

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BearMarketSurvivor