morpho

On a day in 2025, I sat in a café, watching the cherry blossom petals fluttering outside. Holding a steaming matcha latte in my hand, I couldn't stop replaying last week's transaction in my mind. It wasn't an ordinary stock trade or an impulsive NFT collection; it was a custom lending pool I built on Morpho Blue—my very own “private financial universe.” Morpho, the embodiment of this DeFi lending protocol, has ceased to be just a toy for tech geeks; it has become the invisible guardian of my daily financial management. Looking back, when I first encountered Morpho, I was just a DeFi novice, diving in with a trial-and-error mindset, not realizing it would take root and sprout like a seed in my investment portfolio. Today, I want to share my intimate interaction with Morpho from the perspective of an ordinary investor: how to get started, how to delve deeper, and how it has transformed my understanding of lending. It’s not a dry tutorial but a narrative that takes you into the wonderful world of “lending building blocks.”