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Use Case by user cohorts

Lenders:

  • Earn yield on long-tail assets which do not have existing money markets.
  • Earn higher yield on all assets, given the non-liquidatable nature of Timeswap loans, means the borrower will pay higher interest
  • Single-sided exposure to an AMM money market - counterparty risk limited to a single token rather than multi collateral system followed by other protocols
  • Arbitrage yield by combining with other lending & borrowing protocols
  • Earn yield on NFTs (wrapped ERC-721s)
  • Earn yield on LP tokens from other protocols
  • Support early-stage projects without undertaking impermanent loss
  • Manage cash-flows for organizations/projects with fixed maturity bonds
  • Create Yield Curves for any ERC-20 assets

Borrowers:

  • Leverage any ERC-20 token permissionless
  • Early-stage projects can opt for debt financing instead of equity financing
  • Short ERC-20 tokens without risk of liquidations
  • Borrow tokens for staking in other protocols without risk of liquidations
  • Borrow using NFTs as collateral(wrapped ERC-721s)
  • Borrow using LP tokens as collateral
  • Short NFTs without risk of liquidations
  • Borrow LP tokens for farming in other projects without risk of liquidations
  • Short LP tokens without risk of liquidations
  • Arbitrage yield by combining with other lending & borrowing protocols
  • Bond Mining to earn insurance and bond tokens collateralized with equity tokens in place of equity tokens
  • Undercollateralized loans by way of social tokens as collaterals
  • Manage cash-flows for organizations/projects with fixed maturity loans
  • Create Yield Curves for any ERC-20 assets

Liquidity Providers:

  • Earn transaction fees
  • Use LP tokens of other protocols as collateral
  • Use Timeswap LP tokens in other protocols for yield farming & staking
  • Lend / Borrow in LP / LP pools
  • Short LP tokens

Features- Use Case Matrix:

Product Features
Lender
Borrower
Permissionless
Ability to earn a yield on idle long-tail assets
Ability to leverage / short any asset including long-tail assets
Oracle-less
Earn higher yield as borrowers are willing to pay higher for non-liquidatable loans
Non-liquidatable loans as there are no Oracles
Improved Capital Efficiency
Ability to control your own risk profile via custom collateral ratios Ability to earn a yield on idle long-tail assets
Ability to control borrow rate & collateral factor Ability to leverage / short any asset including long-tail assets
Higher returns
Lenders earn higher yields for providing non-liquidatable, custom collateralized loans
Borrowers are willing to pay higher interest for non-liquidatable loans as well as for custom collateralization/interest
Non-Liquidatable loans
Lenders earn higher yields in return for providing non-liquidatable loans
The better user experience by not having to track health factor
Fixed maturity loans
Better cash flow planning for projects/organizations
Better cash flow planning for projects/organizations