Making lending

a common good

We develop foundational decentralized

protocols underpinning the future of lending.

We contribute to the
Morpho Protocol

Morpho Labs researches and develops state-of-the-art open-source, decentralized lending algorithms.

Open

Our work is open to all, ranging from the most regulated institutions to the unbanked.

Efficient

Our research team and academic partners strive to develop the most efficient lending algorithms ever built.

Resilient

We develop the most reliable lending algorithms with the highest security standards in the world, deployed on a decentralized infrastructure such as the Ethereum blockchain.

Current
Supply

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Current
Borrow

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Code
Audits

18

Our Work

We have built one of the most used decentralized lending protocols, several applications, and other blockchain infrastructures used in DeFi.

Releases

Morpho Optimizers

Morpho Optimizers increase lending yields and decrease borrowing costs by improving existing technology, such as the Aave protocol.

Morpho dApp

A front-end application enabling users to access the Morpho protocol to lend and borrow digital assets.

Morpho Governance

Morpho Token holders collectively govern the Morpho protocol. We are building tools to facilitate the governance process and make it as transparent as possible.

Research

Build your lending use case on Morpho.

Frequently Asked Questions

What is DeFi?

DeFi refers to any decentralized protocols or applications used for financial activities such as exchanges, lending, and savings. DeFi applications inherit the properties of blockchains — digital, open, and decentralized — because they are encoded in the smart contracts on such networks. They combine traditional finance with the power of open software to enable vastly cheaper, more programmable, transparent, and powerful financial applications.

What is a smart contract?

A smart contract is a persistent computer program that runs on a blockchain network - the Morpho protocol is a smart contract! Legal contracts require human intervention to enforce the terms, whereas smart contracts are agreements that execute autonomously. Smart contracts are different from regular computer programs because the execution of the program is guaranteed, no matter who initializes it.

What is Morpho Protocol?

The Morpho protocol is an autonomous algorithm living on the Ethereum blockchain. It provides efficient lending and borrowing services to all.

How does Morpho Protocol earn revenue?

The Morpho protocol has no lucrative goal. It is a piece of code that aims to provide the best lending infrastructure possible. To do so, it is constantly evolving. During this, it needs to take as few fees as possible but enough for those contributing to its development. Still, the protocol is designed with the ability to take a margin on interest paid through Morpho which can be adjusted on-chain governance.

How does Morpho Labs earn revenue?

Morpho Labs is a software research and development company that profits from our work: developing decentralized and open source protocols. Morpho Labs is paid by Morpho DAO for contributions to the protocol.

What are the benefits of using decentralized financial infrastructure?

DeFi is a trustless and automated system that eliminates the need for intermediaries with respect to data, functionality, and value. For example, In DeFi, you can have a single open algorithm managing global payment rails, whereas existing financial infrastructure requires over 50,000 banks each with their own ledgers, processing systems and security measures.