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![Delphi_Digital Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1037045241084342272.png) Delphi Digital [@Delphi_Digital](/creator/twitter/Delphi_Digital) on x 208.3K followers
Created: 2025-07-08 14:58:03 UTC

5/ 3Jane builds on Morpho's architecture with key modifications:

• Risk tranche: Lenders choose USD3 (senior, safer) or sUSD3 (junior, higher yield but takes losses first)
• Dynamic rates: Base rates adapt to utilization while idle funds earn Aave yields automatically
• Personalized pricing: Each borrower pays their own risk-adjusted rate, not just pool rates

This creates a more sophisticated market compared to traditional p2p  lending.


XXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1942599065486885158/c:line.svg)

**Related Topics**
[rates](/topic/rates)
[losses](/topic/losses)
[delphi](/topic/delphi)

[Post Link](https://x.com/Delphi_Digital/status/1942599065486885158)