#morpho $MORPHO @Morpho Labs 🦋 has changed the way interactions occur between borrowing and lending. It does not lock all users' funds in a shared pool and give everyone the same 'average' interest rate; rather, it directly matches lenders and borrowers. This peer-to-peer connection eliminates the inefficiencies that have long plagued DeFi lending. It feels like for the first time someone has truly heard the goals that decentralized finance should achieve—fairness and liquidity—without unnecessary layers of intermediaries.