The chalk dust settled on the blackboard of my old classroom in rural Kerala that humid September morning in 2025 as I taught kids basic circuits from scavenged parts. Our school needed $500 for solar panels but pooled lending on Compound gave 1.8 percent yields our collateral cbETH volatile. Morpho Blue appeared in my lesson prep a protocol stripping lending to four pillars: loan asset collateral LTV oracle. $MORPHO at $1.97 527 million circulating $1.04 billion cap. TVL $3.65 billion peak active loans $1.055 billion. I created a market on Base gas $0.0007 fingers chalky with hope. The market sparked. USDC loans cbETH collateral LTV 86 percent Chainlink oracle IRM utilization curve floating free. Teachers lent $300 direct rates 4.0 percent my $500 earning 3.6 percent no shared pool risk. MetaMorpho vault layered curator the principal weighting 70 percent school RWAs 30 percent stables yields 5.3 percent chain visible. Owner set the frame guardian watched oracle spikes allocator balanced nightly. Midday the system proved. A parent borrowed $200 at 4.1 percent for books risk ring fenced. Audits 14 total Spearbit OpenZeppelin Cantina formals guarding the gates. DAO voted MIP 113 68 percent pass treasury $2.3 million to RWA grants my 80 MORPHO voice one tile. Revenue $8 million quarterly curators 0.15 percent fee buybacks $1.8 million. Sunset panels arrived kids wiring under my guide $500 grew to $528 compounded in clarity. SDK spawned 500 markets 200 vaults developer pool $250 thousand. No inflation MORPHO tied to use governance staking security. That chalk lesson became light. Morpho did not patch finance it patterned it modular mosaics from logic not legacy efficiency in every LTV transparency in every curve. In DeFi's classroom $MORPHO teaches the craft one verified variable one isolated island one engineered education at a time.
