everyone knows $PENDLE on the asset side for duration management. but nobody thought about the other side: what about the BORROWER side? so i've been thinking about why institutions haven't entered DeFi at scale, its because the basic financial instruments don't exist the winner will be the first that manages the liability duration in defi @TermMaxFi built 2 things that should've existed years ago: 1) idle capital fix while you are waiting for fixed rate match, your funds auto-deploy to @Morpho floating rate. once matched, it instantly switches to fixed. so, you're earning something every single second. 2) roll to Morpho you have fixed rate loan maturing and don't want to repay? its a one click solution that converts to Morpho floating rate. you get to lock in certainty when you want it. $55.9M TVL. 160K+ daily active users. 100+ markets across chains @pendle_fi owns asset duration management @TermMaxFi is the only protocol that owns liability duration management i think thats a very strong monopoly position and I don't think the market has priced it yet