📌 Shared Liquidity, Shared Problems

Since the early days of DeFi, lending protocols have relied heavily on shared pool models. The idea is simple: lenders deposit assets into a collective pool, and borrowers draw from that liquidity. The protocol dynamically adjusts rates based on utilization. But this model comes with significant downsides…

🟠 Outdated, Inflexible, Inefficient:

• Borrowers often pay high interest, while lenders see much lower returns. The gap? It’s not a fee — it’s the cost of inefficiency. Capital that sits idle still gets a share of the yield, diluting everyone’s return.
• Terms are fixed by the protocol, not the users. Borrowers and lenders can’t customize rates, durations, collateral types, or LTVs. There’s no room for personal strategy or risk management.
• New asset classes are hard to support. Whether it’s NFTs, LP tokens, or memecoins, integrating them into shared liquidity pools is complex, risky, and often impractical.

Custom DeFi Lending with Rain.fi

Rain.fi breaks away from the rigid pool-based model by offering fully customizable, peer-to-peer lending. Each loan is an individual agreement between a lender and a borrower, with negotiable terms.

For Lenders 🔐

Lend with control. Customize every part of your strategy:

• Set your own loan parameters
  Choose your interest rate, loan duration, min/max LTV, and exposure limits.
• Choose the collateral you want to accept
  Only want to lend against stablecoins, NFTs, or LP tokens? You decide.
• Set custom LTVs per asset
  Apply different LTVs based on asset risk. Example: 75% for USDC, 50% for SOL, 20% for NFTs.
• Define your lending strategy
  Go conservative with safe assets and short terms — or target higher returns by accepting more volatility.
• Earn directly from matched loans
  Your capital is lent on your terms. Rain.fi takes a small transparent fee, but the rest is yours — no dilution, no idle capital.

With Rain.fi, lending becomes an active, strategic tool — not just a passive pool deposit.

For Borrowers 💧

Borrow with flexibility. Full control, no prices-liquidation risk.

• Pick the loan that fits your needs
  Browse custom offers and choose your preferred rate, duration, and LTV.
• Use the collateral you want
  Rain.fi supports SOL, USDC, NFTs, LP tokens, and more — including assets not supported by traditional lending platforms.
• No liquidation during the loan term
  Once a loan is active, your collateral can’t be liquidated — even if prices drop.
• Borrow for any purpose
  → Need liquidity without selling assets? Use Simple Borrow.
  → Want to trade with leverage? Use Trade/Margin Swap — no prices-liquidation risk.

💦 Lending 2.0 is Here

The traditional pool-based lending model no longer fits the evolving needs of DeFi users. Rain.fi brings a new way, built for flexible strategies, more assets, and full control.

With Rain’s Custom Lending model:

• 🛠️ Loan terms are fully flexible — borrowers and lenders define their own rates, durations, collateral types, and LTVs.
• 🔄 Emerging assets are welcome — from NFTs to LP tokens, the model adapts without needing deep pool liquidity or centralized oracles.
• 📊 Capital works smarter — no more idle funds or diluted returns. Every loan is intentional and direct.
• 🧠 Risk is personalized — lenders manage exposure asset-by-asset, not by the weakest link in a pool.

This kind of control makes advanced strategies possible, brings in bigger players, and opens the door to markets that can’t work with fixed lending pools.

The future of DeFi lending isn’t algorithmic, it’s user-defined. Rain.fi is leading the way with tools that give individuals and institutions the power to lend and borrow on their own terms.

“The best way to predict the future is to invent it.” Alan Kay

🌐 Ready to try it out?

Visit Rain.fi and experience a new way to borrow.

Start borrowing from just $10… 💸

🔗 Rain.fi Links:

Site: https://rain.fi/
Discord: https://discord.gg/rainfi
Twitter: https://twitter.com/RainFi_
FAQ : https://app.rain.fi/faq

🔗 Discover all our articles about Rain.fi