Most people think DeFi already solved borrowing.
It didn’t.
Traditional crypto loans require users to lock more capital than they borrow. That blocks opportunity and introduces liquidation risk.
Flash loans removed collateral — but replaced it with smart contracts, atomic execution, and zero-margin-for-error engineering.
Powerful, yes. Accessible? Not really.
So today we have:
- Opportunities
- Strategies
- Users
But no usable capital for most people.
Crypto-native capital access aims to remove both barriers:
- No overcollateralization
- No smart contract requirement
The goal is simple: make capital usable for real people, not just engineers.
Here I document:
- Why flash loans fail most users
- Why crypto lending limits growth
- How capital access systems can evolve
- Risk boundaries and failure modes
No hype. Just systems thinking.
If you’re exploring DeFi infrastructure or alternative lending models, happy to exchange ideas.
Resources:
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