Insights from the onchain credit platform.
Product updates, research, and long-form writing from the Splyce team on onchain credit, real-world assets, and the future of institutional yield.
What is Real Yield?
Real yield is return backed by actual economic activity, not token emissions. What it means, why it matters, and how it's reshaping DeFi.
26 June 2026
What Onchain Repo Actually Is
Most of what gets called onchain repo is variable-rate margin lending, not repo. Real repo locks the rate and the term, and that certainty is the product.
22 June 2026
Fixed-Rate RWA Lending
A credit market where borrowers post tokenized real-world assets and draw stablecoins at a rate and term fixed at origination.
22 June 2026
Fixed-Rate vs Variable-Rate Lending
Variable rates float with pool utilization; fixed rates lock at origination. A worked comparison, and why it matters for RWAs.
22 June 2026
Fixed Term vs Fixed Rate
Two independent properties of a loan. A fixed rate locks the interest rate; a fixed term locks the maturity date.
22 June 2026
Why Fixed Rates Win Institutional Credit
Institutional credit runs on predictable cost of capital, which variable-rate DeFi cannot provide. Fixed rates change that.
22 June 2026
RWA Yield Explained
RWA yield is onchain yield backed by real-world cash flows, not token emissions or short-lived liquidity incentives.
9 June 2026
DeFi Vaults Explained
DeFi vaults turn a deposit into access to an onchain strategy. The details decide whether that vault is useful, risky, liquid, or sustainable.
9 June 2026
Strategic Round and What We Are Building
An update on our strategic round and the onchain credit infrastructure we are building at Splyce.
8 April 2026
Why Your RWA Strategy is Broken
Most investors are still comparing interest rates instead of comparing what their dollar can actually do.
25 March 2026
The Rational Borrower
Why institutions pay double-digit rates to borrow against low-yielding assets, and what it means for those on the other side.
14 March 2026
The Rise of Internet Capital Markets
Capital markets are being rebuilt onchain. Here's why permissionless infrastructure is replacing gated institutions, and what comes next.
14 October 2025
The Access Layer for Real-World Yield
How Splyce is building the infrastructure that connects institutional assets to permissionless DeFi, and why it matters for every wallet holder.
17 September 2025