Term Labs

Term Finance delivers transparent, fixed-rate crypto lending via weekly auctions. Institutional-grade design and substantial volume highlight its DeFi promise, though a $1.5M glitch underscores the importance of rigorous security and audit pathways.

I mean they are doing some cool stuff in the DeFi space with their fixed-rate lending on Ethereum. They’ve rolled out features like Blue Sheets for easy rate locking and are rewarding early users with Term Points. Clean updates, helpful tools, and good vibes for anyone exploring on-chain lending.

Term Labs leads the DeFi ecosystem with innovative, enterprise-grade fixed-rate lending solutions. With strong investor support and a clear product roadmap, the platform continues to work on improving usability and tightening quality control processes while resolutely addressing security issues. In particular, its capabilities in areas such as fixed interest yields, automated vault management and on-chain asset auctions make Term Labs worth following. I participated in the Testnet program with many friends and we received our coffee money.

Term Labs’ Term Finance protocol pioneers institutional-scale fixed-rate lending on Ethereum using auction-based rate discovery, enabling predictable borrowing and lending without bid-ask slippage. Since launch, the protocol has processed over $100M in volume, with weekly clears in the seven-figure range—saving users money and offering reliable yield to lenders The protocol is backed by $8M total funding, led by Electric Capital, with participation from Coinbase Ventures, Ava Labs, Maelstrom, and DeFi founders like Ether.fi and DeFi Dad . Their design includes isolated collateral pools, oracle staleness checks, fallback pricing safeguards, and formal verification via Certora—all aimed at improving security and resilience

Term is one of the leaders when it comes to fixed rate lending and this is a concept from TradFi I think is crucial to carry over to crypto.

I personnally got rewarded for using this platform

heard abut them from 3 years ago, good rep

Term Labs is making fixed-rate lending in DeFi actually usable, with tools like Blue Sheets, Strategy Vaults, and Term Auctions making rate locking simple. Backed by Electric Capital and a strong community, they’re combining institutional-grade structure with user-first design. Still early, so smart contract and market risks apply, but they’re building fast and shipping clean. Worth watching if you're into yield, predictability, and on-chain lending.

Term Labs is doing some exciting work in the DeFi space, particularly with their focus on fixed-rate lending solutions. Their platform, as highlighted in recent posts, offers automated lending strategies, professional risk curation, and transparent yield, which are appealing features for both individual and institutional users. The non-custodial approach combined with smart contract-enforced risk controls adds a layer of security and trust that’s critical in decentralized finance. Hitting a milestone of $350M in loans originated shows they’re gaining traction and delivering a scalable solution for fixed-rate borrowing. It’s a promising project that seems to prioritize innovation and community engagement, making it a standout in the on-chain lending ecosystem.

ggfd Term Labs (X: @term_labs) is the team building Term Finance, a decentralized protocol offering fixed‑rate lending on Ethereum with an eye toward institutional-grade solutions. The team recently launched staking and governance, empowering $TERM token holders to participate in protocol oversight while earning rewards. On April 26, 2025, a tETH oracle misconfiguration caused unintended liquidations; however, Term Labs promptly recovered most funds and pledged reimbursement and transparency with a post‑mortem. Active in sharing protocol updates, tokenomics (56% community allocation), airdrops, and simplified product explanations like “Blue Sheets” for fixed‑rate lending PR Newswire.