2026-01-07 07:26:52

Recently, the DeFi community has come up with some new tricks. TermMax, a decentralized fixed interest rate protocol, has launched an interesting feature on BNB Chain—the first fixed interest rate lending market supporting tokenized stock collateral.

It sounds a bit complex, but the core logic is actually simple: they incorporate Ondo Global Markets' tokenized securities as compliant collateral. This way, stock tokens that were originally sitting in wallets finally have a use—holders can directly access fixed-rate liquidity through this market.

It’s worth noting that this is truly the first time in DeFi that tokenized RWA stocks and fixed interest rate lending have been deeply integrated. Users can enjoy the certainty of fixed interest returns while retaining flexibility for early repayment or extension. This combination opens up new possibilities for those looking to tokenize real-world assets on-chain.

BNB0,4%

ONDO-1,92%

RWA0,31%

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GweiTooHigh

· 11h ago

Oh wow, RWA is finally taking off? TermMax's move is quite interesting. --- Stock tokens used for collateralized loans... If this really works, on-chain real-world assets won't just be talk. --- Fixed interest rate + flexible extension, sounds good, but how's the liquidity of Ondo's tokenized securities... --- BNB Chain is back at it with DeFi again, how many "innovations" is this now? --- Basically, it's about earning returns on idle stock tokens. I just want to know if it's safe. --- The RWA lending market is really coming. I feel the next bull run will be driven by these infrastructure breakthroughs. --- Wait, using Ondo's securities as collateral—does that need to be compliant? Or is it another gray area innovation? --- My stock tokens can finally earn interest. They were truly idle waste before. I'm a bit excited.

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AlwaysMissingTops

· 13h ago

Oh, this套路 is getting more and more outrageous. It's RWA again and fixed interest rates. Feels like they're just telling stories. Using stock tokens as collateral? Sounds good, but who bears the risk? TermMax, is this truly innovation or just another last-ditch celebration? Let's wait and see. Fixed interest rates sound stable, but the real test will be how it performs in a bear market. Moving real assets onto the chain can solve liquidity issues? Too simple, brother. Is this really different? Or just the old套路 with a new name. The DeFi circle is the best at storytelling. I actually have Ondo's token. Finally found a use for it, haha. The allure of stable returns is strong, but I'm just worried it might turn into another game of hot potato.

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RamenStacker

· 01-07 07:55

Wow, finally someone has combined RWA and fixed interest rates. Those tokenized stocks before really weren't very useful. By the way, can this actually solve the liquidity problem of real-world assets, or is it just another hype? TermMax's recent move is indeed interesting, but how is the risk managed? Need to take a closer look. Really? The first project to try this, I wonder if it will fail. Tokenizing real-world assets on-chain has always been a pseudo-need, can this change perceptions?

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BlockchainBrokenPromise

· 01-07 07:54

Damn, RWA finally has some use; those stock tokens just sit there gathering dust. TermMax is pretty good this time; the combination of fixed interest rates and flexible terms is indeed interesting. Honestly, it's still about trying to bring real assets to life. Is it feasible? It depends on whether users buy into it. Ondo is jumping on the bandwagon again, but this is the first time they've integrated so closely. By the way, how high can this interest rate go? If it's too low, it wouldn't make sense.

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LowCapGemHunter

· 01-07 07:28

Another hype around the RWA concept. I wonder how many will survive in the next three months.

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