Breaking the Fixed-Rate Barrier: How Notional Finance Reinvents DeFi Lending
What if crypto users could stop chasing wildly fluctuating yields and instead lock in interest rates today just like in traditional finance? That’s precisely what Notional Finance is doing, and as a product-leader with over 15 years across AI, IoT, blockchain and crypto, I believe understanding this shift is key to building sustainable DeFi products. In the fast-moving world of DeFi, most lending and borrowing protocols offer variable interest rates that fluctuate with the market. That volatility may deliver upside but also uncertainty. For many institutions, startups and even individual users, the lack of term-certainty and predictable cash-flows remains a barrier to meaningful use of crypto finance. Enter Notional Finance: a protocol built on Ethereum that flips the model, offering fixed-rate lending, fixed-term borrowing , and yield strategies with known outcomes. In this article I’ll unpack how it works, why it matters, what product and business implications it holds a...