Today, we're excited to unveil Morpho Prime, a new product vertical catering to curators and advanced users who require specialized functionality beyond the Morpho App.
With Morpho Prime, there are now two distinct product lines. The consumer app provides end-users with an intuitive interface to access lending and borrowing opportunities, while Prime products serve those responsible for creating these opportunities. In the future, Prime will also cater to advanced users by providing granular control over their lending and borrowing experience.
Prime products strengthen the ecosystem by equipping participants with tooling that lets them focus on their core strengths and build sustainable businesses. For example, curators can focus exclusively on what they do best—optimizing risk-adjusted yield for depositors—instead of manually checking configurations.
The introduction of the first two products—the Curator App and Rewards App—aims to enhance the experience of key stakeholders: curators and rewards distributors. Over time, Prime will evolve into a comprehensive suite of financial products catering to the diverse participants in the Morpho Ecosystem.
Providing the best curator experience
Morpho's launch pioneered the concept of curators and their subsequent widespread adoption throughout DeFi. By externalizing risk management from lending protocols, Morpho created an open market for curators who wish to build scalable businesses around optimizing risk, return, and liquidity for users.
Curators are fundamental to Morpho's ecosystem, and providing them with effective tools benefits all participants. Without dedicated solutions, curators would need to either interact directly with smart contracts or develop custom applications, diverting time and resources away from key value-added activities such as selecting appropriate collaterals, determining LLTVs, implementing oracles, and setting caps.
The Curator App is designed to provide the single best experience for curators. Purpose-built for their specific needs, the app delivers a powerful, reliable, and intuitive interface for managing Morpho Vaults across multiple chains. This comprehensive interface provides a no-code solution for essential functions such as vault creation, market listing, cap setting, rebalancing, role management, and queue management.
Simplifying rewards for distributors & recipients
Rewards facilitate an important double-sided interaction within the Morpho ecosystem that allows teams to effectively bootstrap adoption: distributors such as asset issuers and protocols can incentivize usage while recipients can earn rewards to amplify their returns.
The Rewards App serves both audiences distinctly. Distributors can create and manage custom reward programs without touching code or smart contracts, making these tools widely accessible. Recipients benefit from streamlined discovery and tracking of the numerous concurrent reward opportunities available to them.
Infrastructure is the product
With Morpho, infrastructure is the product. The goal is not to build a single consumer application that onboards millions but to empower businesses with the infrastructure to bring DeFi benefits to the masses.
Morpho already powers hundreds of DeFi applications and large-scale innovations like Coinbase’s crypto-backed loans. Now, it is positioned to bring broader fintech and traditional financial sectors onchain. But doing so requires building comprehensive products, support systems, integrations, and documentation around Morpho’s core protocols.
The Prime product suite represents Morpho’s ambition to become the definitive lending infrastructure not just for DeFi, but for the entire financial system.