#morpho $MORPHO @Morpho Labs 🦋 @CoinTag Morpho: The "Modular" Innovator of DeFi Lending

Morpho is reshaping decentralized lending! It is no longer limited to traditional liquidity pool models, but instead pushes efficiency and security to new heights through a modular architecture. Its core layer, Morpho Blue, supports permissionless creation of independent lending markets, allowing users to customize assets, interest rates, and risk parameters; while the top layer, MetaMorpho Treasury, aggregates liquidity to provide users with passive income strategies.

This design allows Morpho to stand out in competition: by 2025, its total value locked (TVL) on the Base chain will exceed $2 billion, becoming the first protocol in the ecosystem to reach this milestone. Additionally, the Bitcoin collateral loan service launched in partnership with Coinbase further promotes the integration of traditional finance and DeFi.

In the future, Morpho plans to introduce cross-chain lending features through a V2 upgrade, continually expanding its boundaries. Do you see potential in modular lending? Feel free to share your thoughts!