Morpho (MORPHO)

Morpho was created to solve inefficiencies in the current DeFi lending and borrowing landscape. By blending the efficiency of peer-to-peer (P2P) systems with the liquidity of pool-to-peer models, it offers improved rates for users without compromising security or flexibility. Lenders can earn optimized yields using Morpho Vaults, which are non-custodial and simple to use. Borrowers can access assets directly through Morpho Markets, benefiting from higher collateralisation factors and better interest rates. Additionally, Morpho’s infrastructure allows developers to create custom markets, curate vaults, and build new DeFi applications. The protocol is trustless, relying on immutable smart contracts and minimized governance for secure operations. It leverages existing platforms like Aave and Compound to ensure liquidity while optimizing user rates. Morpho aims to drive adoption in DeFi by empowering users with fairer and more efficient interest rate markets, making it an essential component in the future of decentralised finance.