Degen

Morpho is one of the most interesting modular money markets in recent months, with impressive growth in terms of TVL and usage. In the last 1.5 years, the protocol has gone from 600 million dollars to the current 4 billion: an incredible leap made possible by a series of innovative features. Morpho is also used by Trust Wallet, Binance Wallet and Ledger for their "earn".

I read that the new v2 update (Morpho Markets V2 and Morpho Vaults V2) will bring more innovation:  

🔹Fixed and variable rates (set by the market and not pre-established).  

🔹Multiple collateral assets (multiple guarantees).  

🔹Multiple oracles and LLTV.  

🔹Cross-chain lending (unification of fragmented liquidity).

For example, Vaults offer immediate liquidity for withdrawals and variable returns based on the allocation between fixed rate loans (Markets V2) and variable rate pools (Markets V1).

V2 will support not only single assets, but also multiple assets or entire portfolios as collateral, including RWA (including institutional) and exotic assets. Through cross-chain functions, liquidity can be deposited on Base (example) and borrowed on Ethereum mainnet (example). V2 will complement V1 (it adds new functions, but does not replace the functioning of V1).