Input Output Group(@IOGroup):People massively underestimate demand for non margin loans. The pawn market alone is ~$40B despite terrible infrastructure and high costs. What most people in DeFi miss: Borrowers care more about lower payments than max LTVs. By offering lower LTVs, borrowers can negotiate lower interest rates while avoiding liquidation risk entirely. As Rusty Shapiro (@__fallen_icarus) explains, DeFi solved leveraged trading, not lending. Read the blog ↓

Input Output Group

@IOGroup

A Web3 venture studio Cascading Disruption. We build research-based products, foster frontier tech, and invest in projects that empower communities globally.

Joined February 2015

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Input Output Group@IOGroup

2026.05.15 10:44

People massively underestimate demand for non margin loans. The pawn market alone is ~$40B despite terrible infrastructure and high costs. What most people in DeFi miss: Borrowers care more about lower payments than max LTVs. By offering lower LTVs, borrowers can negotiate lower interest rates while avoiding liquidation risk entirely. As Rusty Shapiro (@__fallen_icarus) explains, DeFi solved leveraged trading, not lending. Read the blog ↓