Been thinking about what makes the International Meme Fund different.

It’s not just another DeFi protocol.
It’s a credit cartel.

That’s the innovation.

Most people know credit unions.
Co-ops where members pool money, borrow, and (in theory) all benefit.

But that’s soft. Friendly. Local.
Built for farmers’ markets, not the trenches.

A credit cartel flips the frame:

⌖ Not kumbaya, but omertà.
⌖ Members own the operation.
⌖ Everyone’s incentive: bring in more USDS for lend, more collateral for borrow, more fees from interest paid to lenders by borrowers, more cartel owned USDS earning yield, and appreciating treasury assets. 

And here’s the kicker:

The cartel has a legally enforceable takeover asset: a token.
But it’s not just governance.
It’s a grown ass man token. 
For grown ass man investors. 

Anyone can accumulate enough for the keys to the cartel.
That threat of takeover keeps the cartel alive, adversarial, and competitive.

Cashflows like this:

⌖ Depositors earn native yield + tokens.
⌖ Borrowers get USDS liquidity at cartel rates + loyalty rewards.
⌖ Token holders anticipate buybacks, mergers, and acquisitions. 

One token, the entire operation.

A credit union says: “We pool money to help members borrow.”
A credit cartel says: “We pool money to dominate credit markets. Join us or be crushed.”

That’s the difference.
That’s the innovation.

Loans for the longtail. Crypto’s original credit cartel and lender of last resort. 

Bank the unbankable with $IMF. 

We’re profitable.