A major spotlight was the exciting announcement from Flow Blockchain: the launch of Peak Money, a groundbreaking initiative that brings real yield generation directly to retail users, putting institutional grade opportunities in everyone’s hands. The full recording is available for anyone who would like to listen back.

🎯 Paddy McPearls Speaks on Flow Blockchain’s Peak Money

Peak Money simplifies the process by abstracting complex strategies, allowing users to deposit tokens into managed vaults without needing deep expertise in risks or optimizations. This aligns with broader DeFi trends, where tools like vaults have evolved to hide intricacies, but Flow’s approach stands out with its innovative primitives.

Central to this is Flow Credit Markets, a novel lending protocol that enables automated leveraging and deleveraging. Leveraging the Forte upgrade on Flow, which includes an on-chain scheduler similar to cron jobs, vaults can rebalance periodically based on market conditions, all executed transparently on-chain. This removes reliance on off-chain logic or trusted third parties, enhancing security and auditability. We are thrilled that MORE Vaults will serve as the backend for yield generation on Peak Money, powering strategies that make real yield attainable for everyday users.

🎯 Paddy Comments on MORE’s Strategic Role and Upcoming Partnerships

MORE is at the heart of Peak Money’s yield engine. Our MORE Markets lending protocol, a battle-tested fork of Aave V3, will initially handle deposits, channeling funds into yield-generating vaults. For assets like BTC and ETH, borrowed funds from MORE Markets will be invested in MORE Vaults, compounding returns back into the collateral. FLOW token yield will come from our established Safe Yields Vault, while USDF stablecoin deposits will be diversified across multiple MORE Vaults for risk mitigation and aggregated returns.

🎯 Transitioning to Sustainable Yield and Incentive Plans

A key community question focused on incentive structures and the shift toward real yield. Currently, deposits into MORE Markets, especially USDF, earn attractive incentivized yields, around 14% at the time of the AMA. However, the long-term vision, in collaboration with Flow and other ecosystems, is to reduce dependency on token emissions that can affect prices. For example, staking programs often require selling native tokens to realize gains, creating downward price pressure.

Peak Money will begin with incentivized yields for up to a month to bootstrap liquidity, then transition to real yield from vaults. Rewards will shift directly to vaults to prevent gaming between markets and vaults. This transition will not happen overnight. Incentives will continue for months, giving users time to adjust. By mid-next year, we expect a fuller pivot, encouraging deposits into real-yield vaults. This approach sustains ecosystem health and aligns with our goal of cost-effective, organic growth across blockchains.

🎯 Spotlight on MORE’s Core Projects

For those new to MORE, we outlined our flagship offerings. MORE Markets is our reliable lending protocol, providing a familiar experience with proven security. But the standout is MORE Vaults, the only omni-chain non-custodial vaults protocol. It minimizes trust by empowering professional curators with strict risk parameters that protect depositors from unexpected exposures. Built from scratch and audited multiple times including simulated hacks by curators, it is designed for robustness. Documentation is available at docs.more.markets for anyone who wants a deeper look.

We are also improving user experience, including greater transparency on liquidations. While liquidations are infrequent, recent events prompted a report, and we are planning personalized position histories in the UI, similar to vault activity tabs. With a lean team of two full-time smart contract developers and one part-time full-stack developer, we prioritize high-impact features while fundraising efforts continue, which should accelerate in January.

🎯 Paddy On Peak Money’s Global Accessibility

With questions about Peak Money’s mechanics and reach. It is not a neo-bank like Revolut but a decentralized, custodial-free platform for parking on-chain funds to earn yield. It is available worldwide except in sanctioned countries such as North Korea or Iran. No KYC is required.

A notable distinction was highlighted. Direct use of MORE Markets offers targeted exposure similar to a single mutual fund, while Peak Money acts as a fund of funds, diversifying across curated vaults for broader risk distribution. Initially focused on specific vaults, it will expand into multi-vault portfolios for assets like BTC, ETH, FLOW, and USDF, We confirmed that Flow Credit Markets is not being used immediately, but integrations are in progress to leverage its EVM-exposed features for enhanced rebalancing.

🎯 Fostering Community and Looking Ahead

To conclude the session, DeFi Topboy reiterated MORE’s bi-monthly call schedule, noting that another community call is anticipated before the end of the year. Attendees were awarded the AMA Participant role while the team announced plans to expand OG roles for community members who consistently share MORE content across their social media platforms.

Recordings and written recaps are being uploaded to Discord and Telegram to ensure easy access for the wider community.

Overall, the AMA underscored MORE’s commitment to innovation, transparency, and community-driven growth within YieldFi. The team expressed enthusiasm for the road ahead and encouraged members to remain engaged as they continue building a more open and inclusive future for DeFi.

During the recent community AMA, members of the core team and key curators joined to discuss progress across MORE Markets, MORE Vaults, protocol security, audits, partnerships, the role of curators, and what lies ahead for the ecosystem.

Everything you need to know has been recapped below. The full recording is available for anyone who wants to listen.

💎 Paddy McPearls on MORE Markets & MORE Vaults

Internally, we categorize the ecosystem into two pillars: MORE Markets and MORE Vaults.

MORE Markets is the lending protocol currently hosting around $62M–$63M TVL. It launched quietly in January and has grown steadily, initially with support from the Flow Foundation and now with a lot of independent activity.

MORE Vaults is the second protocol, fully built in-house. Unlike Markets, which is a fork of Aave v3, MORE Vaults is novel infrastructure designed to capture yield wherever it is, across Flow and multiple EVM chains, tokenize it, and enable curators to deploy complex multi-chain strategies.

Vaults is already deployed on Flow, Arbitrum, Base, and Ethereum, and we’re in discussions with several other ecosystems about expansion.

💎 Fellipe Speaks on SafeYields

Regarding safeyields, we’re building what we call liquid staking 2.0. Our core technology uses AI/ML to automate complex DeFi strategies that most users can’t run themselves especially strategies requiring near-instant execution.

On MORE, our first version of the liquid-staked Flow token has been performing strongly. Standard staking yields around 8%. With our looping + arbitrage strategies through MORE Vaults, users earn an additional 15–20%. Right now, deposits must go through MORE Vaults/Markets, but we’re also working on a fully liquid version of the token for broader scalability.

💎 Paddy McPearls on Expiration of Incentives

Are there any expiration dates for incentives on the USDF markets? There is no current expiration date for this incentives. Obviously, they won’t last forever, but they’re expected to continue for quite some time. For transparency, incentives aren’t managed by MORE, they’re coordinated by the Flow Foundation and Sentora. I can’t give details as to when they’ll expire, but when we do get the info, we’ll share for visibility.

💎 When is the Next Audit Scheduled?

MORE Markets has already undergone 10+ audits, including recent ones from PeckShield and Zenith.

MORE Vaults completed its first audit in May for the single-chain vault version. We’re currently undergoing a second major audit, which already shows huge improvement. Another audit cycle will begin in January, and the goal is continuous auditing every 2–3 months. Security is a core priority. Vaults is fully on-chain and trustless, meaning depositors can verify allocations and vault value in real time without relying on a third-party to report NAV.

💎 Paddy McPearls on MORE Architecture

Vaults use a modular architecture built on the Diamond Proxy (ERC-2535). The main part of the vaults is called the vault core and it handles deposits & withdrawals, cross-chain messaging, integrations (Uniswap, Curve, LayerZero, MORE Markets, etc.), rewards, DEX aggregrator, vault-to-vault connections, universal connectors to 2,500+ existing EVM vaults, This structure gives curators extreme flexibility, allocating across any chain, any AMM, any yield venue. Upcoming integrations include Pendle, Athena, Uniswap v3/v4 provisioning, and a multi-protocol DEX aggregator facet.

💎 What Strategic Partnerships are Currently Active?

Several major partnerships are already in place. For Infrastructure partners, we have LayerZero (cross-chain messaging + omnichain deposits), Pyth (Oracle provider), Stork (backup oracle for both MORE Vaults and MORE Markets), Zenith/ Code4rena/Three Sigma (security & audits).

In terms of protocol integrations and yield venues, we’re in talks with Gearbox, FX Protocol (FX Save), Infinify, Term Finance.

For Curators, we have Safe Yields, Nine Summits, Shorewoods, Tau Labs, MEV Capital (large multi-chain vault operator), Sentora. We’re also actively speaking with teams from Berachain, StarkWare, Avalanche, Arbitrum, and more.

💎 Any Public Roadmap Available?

A lot is moving quickly, so publishing a roadmap too early would be misleading. We expect a stable version by January or February.

💎 Is MORE DAO Open to Partnerships?

Absolutely. Especially with DeFi protocols, chains, liquidity layers, and yield venues. Marketing and community partnerships will scale more aggressively early next year.

💎 On Community & Growth

I think it’s important to understand how we see ‘community’, at least for now. One is the core team, curators, depositors, integrators. The vision is to treat MORE Vaults as a cooperative ecosystem. Eventually, fees will be shared among liquidity providers, curators, integrators, contributors. This aligns incentives across everyone building and using the protocol.

For community growth, we’re currently preparing an Ambassador program, a Referral system, a more structured governance framework, recurring community update calls, and opportunities for contributors (tech + non-tech).

We’re temporarily slowing new development to review and harden all code, prepare upcoming audits, finalize new integrations, align partnerships ahead of expansion into new ecosystems. Security and protocol resilience remain the top priority.

📜Final Thoughts

If you’re exploring yield strategies, thinking about integrating with MORE, or looking to participate in governance and community building, the coming weeks and months open more opportunities to engage, with the team actively welcoming builders, partners, and contributors.

In Stream’s case, a staggering $93 million in losses and a 75% depeg of its xUSD stablecoin weren’t triggered by a smart contract exploit but by insidious counterparty risks. These events aren’t isolated anomalies, they’re symptoms of a core YieldFi design flaw where vaults prioritize yield-chasing over verifiability. Curators, meant to steward strategy, often wield unchecked power over custody and accounting, creating recursive exposures where users can’t distinguish genuine collateral from leveraged pledges.

Amid this, one protocol stands out for its uncompromising commitment to on-chain verifiability: MORE.

Built on the ERC-2535 Diamond Standard, MORE’s Vaults framework is a true paradigm shift, embedding transparency into every layer. MORE delivers Real-Time On-Chain NAV, with all accounting and valuation occurring natively on-chain, eliminating the blind spots that doomed Elixir. No internal ledgers, no delayed attestations. Every deposit, rebalance, and withdrawal is fully auditable via public registries and subgraphs, turning users into active verifiers rather than passive participants.

The Questions Users Should Be Asking And How MORE Flips the Script

1. Is it on-chain, in a verifiable contract I can inspect?

With MORE, yes. Always. MORE enforces fully on-chain execution and ERC-4626-compliant accounting. Every deposit, yield event, and rebalance runs through an audited core vault, fully introspectable through selector tables that expose functions, callers, and deployment timestamps. No APIs, no delays, just raw permissionless truth.

This on-chain primacy extends to integrations: Protocols and oracles communicate trustlessly with the vault core, logging every move in auditable events. MORE’s public subgraph aggregates this data, powering dashboards where users can trace collateral flows across chains without leaving their wallet.

2. Is it held by a custodian?

No custodians here because MORE doesn’t need them. Custody is handled entirely by the protocol’s omni-chain vault core, deployed as a secure mesh across EVM chains, Assets move trustlessly within the vault ecosystem through bridge-agnostic interfaces, removing the counterparty risks that crippled Stream. Curators focus solely on strategy, while the core enforces strict separation between asset control and management. Swappable facets allow upgrades without touching custody logic, keeping funds locked in transparent, verifiable code.

3. Is it encumbered by leverage or pledged elsewhere?

Transparency reigns supreme. MORE’s Real-Time On-Chain NAV reveals encumbrances in real time, down to the token level. Users can inspect exposure via the vault’s public registry, which details every integration, risk parameter, and allocation. If a strategy pledges assets to a leveraged position (e.g., in a composable farm), it’s not hidden, it’s broadcast through standardized events and queryable via SDKs. This contrasts sharply with Elixir’s synthetic yields, where pledges were buried in off-chain opacity, leading to cascading failures. Moreover, timelocked changes to allocations or risk parameters give depositors a grace period to exit, preventing rug-like surprises. No more waking up to discover your collateral was silently leveraged into oblivion.

4. Can it be withdrawn at any time, or am I exposed to liquidity risk I don’t understand?

Withdrawals on MORE are atomic and on-demand, with liquidity risks demystified upfront. MORE’s bundler enables configurable safeguards for transactions, ensuring parallel strategies across venues enhance capital efficiency without stranding funds. Omni-chain share tokens let depositors hold and redeem on their preferred chain, minimizing bridge delays or failures. And because NAV is computed on-chain continuously, users always know the true redemption value. No liquidity illusions like those in Stream’s illiquid synthetics.

In essence, MORE transforms liquidity from a black box into a verifiable feature, where risks are explicit, mitigable, and controllable by the user.

Why MORE DeFi Outshines the Field

For depositors scarred by recent shake-ups, MORE restores DeFi’s founding tenet: Don’t trust, verify. In a space where the next controversy is one unchecked curator away, MORE proves that real resilience comes from code that enforces transparency, not promises that demand blind faith.

Follow @MORE on X for updates, and explore the docs at docs.more.markets to launch your own vault today.