onchain credit has yet to have their 0-1 moment but this might change soon and @credifi is one of the first teams bringing real unsecured lending to DeFi. here’s the setup: – 4% fixed rate, 3-month unsecured loans – no collateral, no fees – instant payout via crypto, venmo, paypal, or bank acc crypto payouts are flexible too: – honey on berachain – usdc on base credifi underwrites using your real-world + onchain history, then settles everything onchain with cryptography. if you’re eligible (us resident, bank account, 680+ credit score), this is one of the cleanest ways to take your first uncollateralized defi loan. there’s even a $20 bonus on your first loan. this is what credit onchain was supposed to look like.

i agree with the critique: old GameFi is out of meta. but using that to dismiss gaming on @SeiNetwork misses what the data is already showing. the numbers don’t lie: – #Sei captured ~50% of recent gaming activity growth – gaming txs up +79.8% QoQ, now outpacing all other app categories combined – @nika_labs brought 10M+ installs and 2M MAW on their games before pushing heavy crypto mechanics. – @archerhunter_HQ entered with 3M+ installs, 1M MAW, 12M+ onchain txs, and a sold-out NFT drop (~$500k volume). – 116M gaming transactions in Q3 ’25, up+137% QoQ – 805k+ daily active gamers consistently live on popular titles that’s why #Sei gaming is quietly outperforming the gamefi narrative.

staring at the thBILL dashboard kinda shows what @Theo_Network is optimizing for. NAV/share at 1.0403 is the whole point of a non-rebasing wrapper. price inches up as the short-duration book accrues. it’s boring in the best way cuz that yield doesn’t need you to babysit positions. TVL is ~$166.6M, but look at the composition. ~70.9% of the fund is already parked in the money market sleeve (ULTRA) at $118.2M. cash is only ~1.2%. that pending chunk is fat. almost $46M sitting in tULTRA. → demand is still flowing through the rails, just not all of it has fully settled into the underlying sleeve yet. so even if the 90d TVL chart looks a bit choppy on the surface, the plumbing looks healthy: – most capital is already working – very little is chilling in cash – a chunky amount is mid-flight through the issuance/settlement process now I’m curious what this looks like once more lending rails flip on and that pending bucket starts cycling faster.