If you think @0xfluid is just another lending protocol, then NGMI. Unlike traditional lending platforms, where you borrow, pay interest, and maybe earn some points if you're early enough---Fluid works quite differently. On Fluid, your collateral isn't just locked. It's deployed as Smart Collateral, meaning it's providing liquidity in the DEX protocol while still securing your loan through fees generated from trades happening on its native dex. Same with your debt. The assets you borrow are treated as Smart Debt. They also get routed into the DEX and earn fees that help reduce your debt over time. Example: > You lock ETH and borrow USDT. > The ETH goes into an ETH/stETH pool. > The USDT goes into a USDT/USDC pool. Both the collateral and the debt are earning swap fees. Those fees either reduce your borrowing cost or add to your yield. So while you're paying interest, Fluid is routing real yield back into your position. You're borrowing, but both sides of the position are doing work. That’s when it clicks. Don't trust me, try it :)