Brothers, we have all experienced this, right? The bull market has arrived, holding onto coins that you believe in, and you absolutely don't want to sell. But life doesn't agree, and suddenly you need money, what to do? Sell coins? It feels like being thrown off the bus halfway through the bull market, watching others take off; don't sell? You have no cash flow at all and are just anxious.
There is a protocol called Falcon Finance, which is specifically designed to treat this 'wealthy disease'. The logic is simple: you pledge your assets (whether they are coins or something else) to it, and it directly 'prints' stable synthetic US dollars USDf for you. You get the money borrowed, but the assets you pledged are still in your hands, and you can still hold onto the coins to benefit from price increases.
The Falcon Finance protocol focuses on two key points:
First, anything can be collateralized; they accept everything.
Unlike many protocols that only recognize major currencies like BTC and ETH, Falcon opens the doors wide: native coins, LPs, and even real estate or U.S. Treasury tokens that are already on-chain can be used as collateral. In the future, if you have a piece of on-chain real estate or a tokenized private equity, you can directly borrow money without having to sell at a loss. This is the true 'everything can be collateralized'; who doesn't have a few valuable items on hand?
Second, the USDf you borrow is stable as an old dog.
It is produced through over-collateralization (if you want to borrow 100 yuan, you need to put in at least 150-180 yuan worth of collateral), so the price is firmly pegged at 1 dollar, with almost no fluctuation. You can collateralize 1 ETH to borrow 500 USDf, which you can use for margin trading, paying rent, or even buying groceries. Meanwhile, your ETH remains safely in your wallet enjoying the bull market's benefits. When you have money, you can pay back the USDf, and the collateral will be returned intact; that's it.
In short, Falcon is a 'pawn shop with a conscience' in the crypto world:
. It won't push you to the brink; the liquidation line is set reasonably thick, so market fluctuations won't make it instantly drop to zero.
The rules are simple; you can use it in 5 minutes without getting dizzy from reading a pile of white papers.
The core principle is this: respect your belief in holding coins. If you believe in it, I won't force you to sell; I'll only lend you money to manage your cash flow.
What's even more impressive is that it seamlessly connects the traditional world with the on-chain world. In the future, as long as the financial products your parents buy or your family's house are turned into on-chain tokens, they can be thrown into Falcon to exchange for USDf to spend. This is the 'asset tokenization dividend' that ordinary people can touch.
To summarize:
Falcon is not some pie-in-the-sky hundredfold coin; it aims to be the infrastructure of the on-chain world. A 'super pawn shop' that allows you to live elegantly. Long-time investors fear being forced to exit; it directly addresses this pain point. If it can be realized, USDf might be able to stand shoulder to shoulder with big players like USDT and USDC.
