Use adaptiFi

Supported Assets on adaptiFi

• USDC

• USDT

• WETH

• WBTC

• BGB (Bitget Token)

A 20% collateral factor currently applies to all assets mentioned above. †

Phased Launch of adaptiFi on Morph L2

To support a safe and stable launch on Morph, adaptiFi will introduce lending and borrowing in three phases:

Phase 1: Supply Side Only

Users can deposit assets and earn yield. This approach is intended to support initial liquidity build to support a strong foundation for borrowing.

Phase 2: Small Borrow Positions

Borrowing will be enabled in a limited capacity once sufficient liquidity is available on partner DEXs for liquidations.

Phase 3: Broader Borrow Limits

When market depth is deemed sufficient, borrowing caps may be expanded.

Why Use a Phased Approach?

1. Risk Mitigation: Borrowing requires deep liquidity for liquidations to execute efficiently. Without enough liquidity, forced liquidations could cause high slippage, negatively impacting borrowers.

2. Stable Utilisation Rate: Gradually scaling borrowing helps prevent liquidity lockups to help lending markets remain healthy.

3. Security First: Prioritising supply-side growth before enabling borrowing reduces systemic risk and helps create a safer lending ecosystem.

This structured rollout is intended to help adaptiFi launch in a secure and sustainable manner on Morph.

Earning Mints on adaptiFi

adaptiFi uses a Points System that incentivises users to participate in lending, borrowing, and other activities. By engaging with the platform, users can accumulate points, called Mints, and improve their leaderboard rankings, potentially unlocking various benefits and rewards.

You can earn Mints by supplying and borrowing assets. The Mints will be calculated in a simple formula:

• Supply: 10 Mints points for $100 every 24 hours.

• Borrow: 70 Mints points for $100 every 24 hours.

adaptiFi uses the Minterest Points system. Read more about it here.

Disclaimer: All figures, rates (i.e. collateral factors, APYs, emission schedules), token addresses, screenshots, and step-by-step instructions or UI images in this GitBook are provided for general information as at their publication date. Interface layouts and third-party flows can change without notice. Always verify live values and current screens inside the Minterest app (or the relevant third-party site) before transacting. Nothing herein constitutes financial, legal, or tax advice, or a solicitation to engage in any investment activity.