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The state of DeFi Lending:
High TVL/FDV and Borrows/FDV → Good.
Low TVL/FDV and Borrows/FDV → Overvalued.
Greenest zone: @zerolendxyz, @Kinetic_Markets, Kava Lend, @SiloFinance, @TectonicFi.
JustLend is interesting: Huge TVL but no one borrows.
For complex products like @fraxfinance, low numbers are fine as there are multiple products contributing to the FDV.
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