Morpho: everything you need to know about MORPHO

What is Morpho?

Morpho is a decentralized financial (DeFi) protocol designed to provide more efficient and flexible lending and borrowing services on the Ethereum blockchain. It optimizes capital efficiency by connecting users peer-to-peer, resulting in better interest rates for both borrowers and lenders.

How does Morpho work?

Morpho is a layer that works on top of existing lending platforms like Aave and Compound. It improves efficiency by directly connecting borrowers and lenders, whenever possible. If there is no direct match, Morpho uses the reserves of these platforms to settle the transaction. This ensures that borrowers pay less interest and lenders earn more, as the rates are more favorable than with standard borrowing and lending options.

The MORPHO token

The native token of the Morpho protocol is MORPHO.

The technology behind Morpho.

Morpho is built on the Ethereum blockchain and utilizes smart contracts to implement its functionality. The protocol is designed to seamlessly integrate with existing lending protocols like Aave and Compound, leveraging the liquidity and security of these platforms.

The Morpho ecosystem

The Morpho-ecosystem comprises different components, including:

Morpho Vaults: Non-custodial vaults that allow users to stake their crypto assets to generate returns.

Morpho Build: An infrastructure layer that enables developers to build custom lending solutions on top of the Morpho protocol.

Governance: A decentralized governance mechanism where MORPHO token holders can participate in decision-making on protocol changes and upgrades

Benefits of Morpho

Efficiency: Through direct peer-to-peer matching, Morpho offers better interest rates for both borrowers and lenders

Flexibility: The protocol supports a wide range of assets and allows developers to create customized lending solutions.

Disadvantages of Morpho.

• Complexity: The integration with multiple borrowing protocols and the use of advanced mechanisms can make it difficult for new users to fully understand the system.

Who is the founder of Morpho?

Morpho was founded by a team of developers and researchers, including core members Paul Frambot and Merlin Egalité. The project has received contributions from various members within the DeFi community and is supported by the Morpho Association.

Expectations for the coming period.

Experts expect a minimum price of €9.5100 in 2027 and a minimum price of €31.460 in 2032.

Frequently asked questions