LUKE CHMIEL⚡️
@talkintokens
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onchain credit connoisseur @Morpho // a ship in the harbor is safe, but that is not what ships are built for
NYC
Joined October 2022
TLDR: I am thrilled to share that I'm joining the Growth team at @Morpho to help build the native financial system of the internet, starting with onchain lending via Morpho Markets & onchain asset management via Morpho Vaults 2018-2019 was a real turning point for me. I
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Cork is excited to announce its integration with @Agglayer by @0xPolygon. By plugging into Agglayer's Vault Bridge, Cork adds instant liquidity buffers so depositors can exit @katana and other L2s immediately, even at high collateral utilization.
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2026 PREDICTION: Onchain vaults will double in AUM. •What are they? Think "ETFs 2.0" – investment funds that manage assets on the blockchain for yield. •The Growth: From $0.1B$ in 2024 to $8.8B peak in 2025. •Why 2026? We expect a wave of high-quality "curators" will be
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We're excited to share our first paper on decentralized credit, published on Arxiv. It documents the shift from DAO-governed lending protocols to modular ERC-4626 vaults, and why that changes where risk actually lives in DeFi. (link for the report at the end)
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excited to see this finally come to life to my knowledge it's the first example of onchain credit derivatives being used as a protection/insurance layer for a vault, in this case Morpho VB this is true defi moneylego composability & all began from a convo i had w/ @mfisher10x
Instant liquidity matters. By integrating with Agglayer’s Vault Bridge, @Corkprotocol adds liquidity buffers that enable immediate withdrawals from @katana and other AggChains, even during periods of high utilization or market stress. Resilient infrastructure is non-negotiable.
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pretty cool to see that SOL is now an eligible collateral asset on Morpho
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onchain debt is the killer use case btw
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It's a good timing to remind everyone that all Morpho IP, all apps hosted on morpho(.)org, and all our social accounts like @Morpho are owned by the Morpho Association, a shareholder-free entity. We believe in tokens. We don't own equity.
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the duration profile of certain RWAs such as private credit has been the #1 blocker keeping RWA trades from scaling onchain very excited for @Corkprotocol + @Morpho to address this coming 🔜
Introducing Protected Loops. A new DeFi primitive that unlocks looping for illiquid assets and long-duration RWAs. Safer, scalable, and ready for institutions.
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1/ A new chapter for stablecoin yield starts today. Wirex Business is launching institutional-grade yield for USD and EUR stablecoins, powered by our strategic collaborations with @Morpho and @gauntlet_xyz. Businesses of all sizes can now earn yield with one click.
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pains me to think about how much good talent we have lost to copypaste vaporware casino teams & the trenches writ large we need good talent in crypto now more than ever if this industry is going to continue its ascent please for the love of god believe in what your are building
Choosing to work for a “casino” team is a skill issue. You could just work for any of the many high-integrity, focused teams in the space not building solely for a TGE. They exist across L1/2s, perps, yield+ stablecoins, lending, etc. I could not be more invigorated to work
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Great read. Any yield above the risk free rate without duration is either temporary, or riskier than believed. Managing vaults with longer duration assets will become a critical skill in DeFi. There is a wide design space here with things like @Corkprotocol coming to market
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TLDR: Private credit (and many other forms of RWA that will come on-chain in the next years) can in fact go down, and it can go down multiple times per year and still outperform T-bills. The volatility is priced in and is the reason why it can be higher yielding to begin with.
Yesterday, mF-ONE posted a down-print of about ~2%, reflecting an update on the basis of official NAV valuations. This is well within the buffer that ensures lenders face no risk of bad debt and is a regular occurence in the asset class. We hold a $1M position in mF-ONE in order
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Vaults + onchain asset management is about to explode. What makes this different from past "metas" is: 1. It's far more real than memes and JPEGs 2. It will inject credit into markets 3. It will test DeFi's infra and value prop (transparency) Exciting times.
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ETH-backed loans are now on Coinbase. You can use your ETH as collateral to borrow USDC. Ethereum.
If you believe in somΞTHing, this one's for you. ETH-backed loans are here. You can borrow USDC against your Ethereum, unlocking liquidity without selling. Available now in the U.S. (ex. NY).
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