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What Is Axios Finance?

Axios Finance is a lending platform where you can borrow or lend cryptocurrency directly with other people. Think of it like Craigslist for crypto loans - you post what you want, negotiate terms with another person, and the code automatically enforces your agreement.

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Three Key Differences

  1. Fixed Rates: You lock in your interest rate upfront. It won’t change, no matter what happens in the market.
  2. Direct Matching: You’re matched with one other person, not lending to a shared pool of money.
  3. Custom Terms: You choose your own loan duration, interest rate, and collateral amount.

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Why Does This Matter?

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The Problem with Current Crypto Lending

Most crypto lending platforms (like Aave or Compound) work like this:
  • Everyone deposits money into one big shared pool
  • Interest rates change constantly based on supply and demand
  • You might start earning 5% APY, but wake up tomorrow earning 2%
  • This unpredictability makes planning impossible

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How Axios Solves This

Imagine you’re lending $10,000 and want to earn exactly 10% over 90 days. On Axios:
  1. You post your offer: “I’ll lend 10,000USDCfor90days,youpaymeback10,000 USDC for 90 days, you pay me back 10,250”
  2. A borrower accepts your terms
  3. The interest rate is locked - you’ll earn exactly $250, guaranteed
  4. After 90 days, you get your money back plus interest
No surprises. No rate changes. Just predictable returns.