Fluid 🌊

4 reviews, 100% of them positive.100% positive · 4 reviews· Influence factor 72, above 14% of accounts

The record

From 4 activities · May 2026

Fluid is a DeFi protocol on Solana known for innovative capital efficiency mechanics, particularly its smart collateral system that makes assets maximally productive by earning both DEX and lending fees. The protocol offers consistently strong APRs and higher LTV ratios (up to 95% for correlated assets) with significantly lower liquidation penalties (0.1%) compared to competitors like AAVE, positioning itself as a more advanced alternative for users seeking greater borrowing power and capital optimization.

What people say

Received · 4 Given · 0

“Game-changer in DeFi”Fluid has become one of the fastest-growing and most user-friendly DeFi apps on Ethereum. Everything related to APYs is clearly explained and trusted by many users. Transparency is key, and that’s exactly what Fluid delivers.

lowadka🌊 · 1312· 1y ago24

“A New Chapter for Fluid and Jupiter on Solana”Fluid is a constantly evolving DeFi protocol. It began with simple lending and borrowing services, but today it already offers a wide range of products, fully verticalizing its operations. Most recently, Fluid partnered with Jupiter to launch Jup Lend, bringing its proven technology and expertise in lending to the Solana ecosystem with Jupiter’s backing. What really stands out about Fluid are its consistently strong APRs for both suppliers and borrowers. I’ve been using Fluid for about a year now, after migrating my loans from other protocols. Since then, I’ve felt very confident with my positions, and I honestly think their UX is one of the best in DeFi.

febarce | DeFi · 1453· 1y ago7

“Innovative mechanics driving capital efficiency”Fluid's smart collateral/debt system is one of the cooler innovations within the DeFi space, improving on capital efficiency. For example - Smart Collateral - Deposit a pair, eg. USDC + USDT - You earn DEX fees (swapping) + Lending fees (people borrow stables) Compared to regular LP-ing, you don't earn any lending fees since nobody wants to borrow LP tokens! They basically made every part of a lending/borrowing process liquid, so that assets are maximally productive. The team also works with others (think Jup on Solana, the upcoming Plasma chain) to expand their footprint and that's wonderful as well. Glad to see more innovative stuffs coming up within the space!

Jin · 1313· 1y ago6

“The smarter alternative to AAVE”If you've outgrown AAVE, Fluid is the natural next step. It's a lending and DEX protocol built for users who want to do more with their capital, and understand the risks involved. The key difference is capital efficiency. Fluid's LTV ratios can reach up to 95% for correlated assets, compared to AAVE V3's maximum of 90%, while liquidation penalties are as low as 0.1%, a 50–100x improvement over the industry standard of 5–10%. More borrowing power, less punishment on the way out. But higher LTV also means positions sit closer to the liquidation threshold, this is a tool for experienced users, not beginners. What sets Fluid apart technically is that your collateral doesn't just sit idle, it's deployed as active DEX liquidity, earning trading fees that can partially or fully offset your borrowing costs. Behind the protocol is the Instadapp team, one of the oldest and most battle-tested builders in DeFi. The core contracts have never been directly exploited. High efficiency, tight margins, real rewards, Fluid is DeFi for those who know what they're doing.

Mr. Viking · 1438· 5mo ago2

4 of 4 · most upvoted first