88mph

88mph is a non-custodial, open-source protocol built on the Ethereum blockchain that allows users to lend their crypto assets at a fixed interest rate or speculate on yield rates. Users can deposit assets like stablecoins (e.g., DAI, USDC) or other cryptocurrencies and lock in a predictable return for a set period. The protocol achieves this by pooling deposits and lending them to other platforms, then tokenizing the future yield. It is governed by its community through the MPH token, which grants holders voting rights on proposals to guide the protocol's future development.