Twenty billion dollars in total value locked. Zero loan officers. Zero credit checks. Zero office buildings. That is the future of lending.
Smart contract risk is real. One bug could cost billions. We audit everything. We run bug bounties. We still lose sleep.
I was a law student in Helsinki. Now I run a protocol that lends billions without a single loan officer.
Flash loans are the most innovative financial product since the derivative. You borrow and repay in the same transaction. It sounds impossible. It works.
DeFi does not need banks. Banks need DeFi. The question is whether they realize it before it is too late.
GHO is not just another stablecoin. It is a stablecoin governed by the people who use it. Decentralized money for a decentralized world.