.@iris_credit just gave a sneak peek into its fixed-rate borrowing UX powered via an intent-based model. The experience is pretty straightforward: Simply specify your preferred loan terms and professional solvers compete to fulfil them. This is a natural evolution of where DeFi credit has been heading. For years, lending markets have largely revolved around isolated variable-rate pools. They've proven product-market fit, bootstrapped deep liquidity & established robust money markets across protocols like Aave and Morpho. But variable rates were never the endgame. As credit markets mature, borrowers increasingly care about certainty, not just liquidity. Businesses, treasuries and long-term capital planning simply work better when funding costs are predictable. As the DeFi credit landscape continues to mature, primitives like this feel like a natural next step. We've already solved liquidity. The next frontier is making credit more efficient, predictable + competitive. Definitely worth giving out a try! Disclosure: Investor