Solving Problems in OpFi

While OpFi has certainly flourished over the past 3 years, there are still many problems we face as an industry and suboptimal mechanisms which negatively impact end users.

Before getting into the specifics of what we are building through 3xcalibur, it is first important to lay out why we are here, and our view of the current market. While OpFi has certainly flourished over the past 3 years, there are still many problems we face as an industry and suboptimal mechanisms which negatively impact end users.

Where OpFi has fallen short

• Product Flaws

• Poor User Experience

• Not catering to the market

Product

• Market-movement (Price) dependent liquidations

• Scalability problems on Ethereum Mainnet

• Oracle exploits in borrowing and lending protocols

• Poor emissions design

• Low capital efficiency

Users

• Need easier UI/UX

• Capital inefficiencies hinder users, DAOs and projects

Market

• Specifically for us, there are limited options on Arbiturm offering a complete product with both borrowing and lending + swaps

• Currently markets across the board are fueled by speculation and mercenary capital