I’d like to propose an innovation for lending protocols: a mechanism that allows users to lock and gradually purchase assets at a fixed price (e.g., 1 BTC at $100k), secured via smart contracts and NFT metadata.
The purchased asset remains locked until the contract is fully paid, preventing recursive lending loops, but the “locked token” (L-Asset) can be used within DeFi for yield or additional protocol benefits.
This creates three user groups in one protocol:
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Liquidity providers (classic LPs) earning stable returns.
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Borrowers with more competitive lending rates.
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Retail users with recurring income who want to accumulate assets at fixed prices.
Such a function doesn’t exist in DeFi yet, but it could boost TVL, attract new audiences, and differentiate the protocol from standard lending competitors.