Over the past year, competition in the public chain sector has shifted from a "narrative battle" to a "competition of practical applications." In this wave, Sei Network has become a representative of the next generation of trading public chains, balancing liquidity, speed, and cost, gradually attracting a large number of DeFi, GameFi, and SocialFi projects to settle.

The core advantage of Sei lies in embedding the Matching Engine at the underlying layer, natively supporting order books and real-time price updates, allowing applications that require high-frequency trading, such as DeFi, NFT, and GameFi, to achieve experiences close to centralized exchanges on Sei.

According to the latest data from the Sei ecosystem:

Against this backdrop, native applications on Sei are entering a golden window period, among which one of the fastest-growing currency market projects is Takara Lend.

1. Takara Lend: More than just lending, but a credit payment network

The term "Takara" means "treasure" in Japanese, which also hints at the team's goal— to unlock the true value of crypto assets.
Unlike traditional lending platforms that only provide capital matching, what Takara aims to do is embed lending capabilities directly into payment scenarios, similar to the VISA network in the crypto world:

  • Direct payment: When consuming at merchants, the protocol can directly call the collateral limit without the need to withdraw or sell coins in advance.

  • Tax-friendly: Collateralized borrowing does not trigger asset sales, preserving upside potential and delaying tax obligations.

  • Open API: Can be directly integrated into wallets, cards, and merchant systems for seamless embedded finance.

In just 5 months, Takara's TVL on Sei has exceeded $102 million, with total revenue of over $710,000, ranking it among the top tier of Sei currency markets. The core team members have previously built a mature project with over $250 million in TVL, showcasing their execution capabilities.

2. From beginner to advanced farming strategies:

👉 Start mining portal: https://app.takaralend.com/leaderboard?code=lianyanshe

Takara's gameplay is rich and diverse, suitable for players with different risk preferences.

1. If you are a stablecoin enthusiast, the interest rates offered by Takara are definitely attractive:

  • USDT: 14-17%

  • USDC: 12-15%

Currently, USDT has an APR of 17.56%, and USDC has an APR of 13.22%, outperforming most financial products.

Before starting mining, you need to deposit Gas fees onto the Sei EVM chain. Then, use the Bridge for cross-chain transactions; the native USDC has been launched on Sei, and the cross-chain wear and tear will return in about 3-4 days. It will be convenient when exchanges support the native USDC for re-deposits in the future.

2. Additionally, there are three other strategies suitable for different types of players:

1️⃣ Stablecoin Looping Strategy

Deposit USDT → Borrow USDC (borrowing fee is 0, no discount interest) → Re-deposit into Takara → Repeat the loop for compounded returns up to 25-30% annually (note to maintain a healthy factor > 1.1).

2️⃣ LST Strategy (Borrow SEI → spSEI)

Deposit USDT/USDC → Borrow SEI → Stake SEI in Splashing to earn spSEI → Deposit into Takara to earn returns.

Holding SEI simultaneously can also earn 15-20% annualized.

3️⃣ LP Strategy (Liquidity Provision)

Deposit stablecoins → Borrow SEI & spSEI → Provide SEI/spSEI or SEI/USDC liquidity on Yaka Finance to earn LP + mining rewards (suitable for players familiar with LP, note the impermanent loss).

3. Community incentives and Karats system

The Karats system of Takara is the core of its community incentives, aimed at rewarding real contributions. Whether it’s supplying, borrowing, receiving rewards, creating content, or participating in community activities, you can earn Karats points that can be exchanged for rewards in the future.

Referral program is more enticing:

  • Invitees: Earn 10% extra bonus on Karats earned through the platform.

  • Referrers: Receive 5% of invitee rewards as an extra bonus, without affecting the other party's earnings.

Note: Generating Takara referral links requires accumulating a certain amount of Karats.

Thanks to Sei's high performance and strong support from the Sei Foundation, Takara's lending experience is incredibly smooth, becoming an indispensable growth engine within the ecosystem. If you want to earn high returns with stablecoins while lying back, or if you want to experience new DeFi gameplay in crypto payments, you can check it out.

👉 Register to participate: https://app.takaralend.com/leaderboard?code=lianyanshe

Join the community: https://discord.com/invite/WPQjz3jqaN

Follow updates: https://x.com/TakaraLend

Related links:

  • Yaka Finance:
    https://x.com/YakaFinance

  • Splashing:
    https://x.com/splashing_xyz