DeFi's Variable Rate Dominance: A Closer Look
**DeFi's Lending Landscape:**
- 99% of DeFi borrowing/lending uses variable rates and terms
- In traditional finance, only about 20% is variable
**Key Questions:**
1. Why is DeFi so focused on variable rates?
2. Where are the risk management tools in DeFi?
SmartCredit.io aims to address these issues by offering:
- Fixed-rate, fixed-term collateralized loans
- Integrated Positions Monitoring System
This approach could potentially bring more stability and risk management to the DeFi lending space.