The number of users exceeded 10,000 this month and incentive activities were launched. How should we participate in Notional Finance?

Notional Finance is a startup launched in 2021 focusing on fixed-rate crypto loans. The $10 million Series A round was announced on April 30 of the same year, led by Pantera Capital, with participation from venture capital firms including Parafi, 1Confirmation, Spartan Group, Nascent and Nima Capital. Notional Finance will use this financing to actively build its team and promote the continuous optimization of products and services.

To date, Notional Finance has total deposits of $40.62 million, total outstanding debt of $18.2 million, and 1,259 active accounts. These data fully demonstrate its influence in the DeFi field and its rapidly growing user base.

In the latest development, Notional Finance announced that its V3 version has been launched on Arbitrum on November 6, 2023. The Notional V3 version supports lending and borrowing of 12 assets, with more new features planned, including the addition of 3 new Aura leveraged vault strategies, as well as LINK, UNI and LDO as new collateral. This move will further enhance Notional Finance’s product diversity and market competitiveness.

The latest data shows that Notional V3 has shown significant growth in reserve and cumulative user numbers on various dates. Especially in early July 2024, its reserve reached a new peak, and the number of accumulated users also rose sharply in a short period of time, exceeding 10,000. These data not only reflect Notional Finance’s steady development, but also reflect the market’s high recognition of its products.

So, how does Notional Finance continue to develop in the highly competitive DeFi market?

The number of Notional users began to increase significantly at the beginning of this month, indicating a more ideal start?

As one of the oldest tracks in the crypto field, the DeFi track has not performed satisfactorily in this bull market. According to data, the overall gain of the DeFi sector in the past year was only 41.3%, far behind the market average of 91%, and even behind Ethereum’s 75.8%. Data for 2024 also shows that the DeFi sector overall fell 11.2% and its performance is still poor. However, against the background of the current sharp decline in altcoin prices, the DeFi sector, especially its leading projects, may have its best moment since its birth.

In such a market environment, the fixed-rate crypto loan protocol Notional Finance has demonstrated its unique advantages and market appeal. On November 6, 2023, Notional Finance announced that its V3 version has been launched on Arbitrum. Notional V3 supports lending and borrowing across 12 assets, with more new features coming soon, including the addition of 3 new Aura leveraged vault strategies, as well as LINK, UNI and LDO as new collateral. This series of innovative initiatives not only enriches its product line, but also further enhances its competitiveness in the DeFi market.

The latest data shows that Notional V3 has shown significant growth in its reserves and cumulative number of users on various dates. Especially in early July 2024, its reserve reached a new peak, and the number of accumulated users also rose sharply in a short period of time, exceeding 10,000. These data not only reflect Notional Finance’s steady development, but also reflect the market’s high recognition of its products.

In addition, Notional Finance’s market performance is equally impressive. Its pCash market achieved a utilization rate of 65.39%, with a borrowing rate of 12.17% and a supply rate of 6.63%. Overall, Notional V3’s total supply is $2,032,874.44, while total debt is $1,329,371.63. Agreement fees for the past day were $333.57, bringing the cumulative agreement fees to $214,052.33. These data show that Notional Finance has achieved significant results in optimizing user experience and increasing market participation.

對市場波動的擔憂，使他們能夠更好地規劃和管理財務。用戶John 表示：「Notional Finance 的固定利率貸款幫助我在市場動盪期間保持了資產的穩定，我不再擔心突然的利率變化帶來的風險。」此外，Notional Finance 的V3 版本推出後，用戶體驗得到了顯著提升。新增的資產支援和槓桿金庫策略為使用者提供了更多選擇和靈活性。一位長期用戶Sarah 評論道：「V3 版本的上線和新功能的引入，使我在Notional Finance 上的操作更加便捷和高效。我非常期待未來更多的創新功能。」

綜合來看，Notional Finance 在用戶需求和市場回饋中表現出色，其在DeFi 市場中的地位和影響力也不斷提升。未來，Notional Finance 預計將繼續引領 DeFi 固定利率借貸市場的發展，為用戶提供更安全、更有效率和更多樣化的金融服務。

Notional採用固定利率借貸模式且創新功能更為豐富，在DeFi嶄露頭角

Notional Finance 之所以在 DeFi 市場中佔據一席之地，主要歸功於其獨特的優勢和先進的技術框架。作為一個專注於固定利率加密貸款的創新平台，Notional Finance 提供了一個穩定且可靠的借貸環境，使用戶能夠在市場波動中依然保持財務穩定。

首先，Notional Finance 的最大優勢在於其固定利率借貸模式。與大多數 DeFi 平台提供的可變利率借貸不同，Notional 透過 fCash 代幣機制實現了固定利率貸款。 fCash 代幣由關聯加密貨幣和到期日定義，使用戶在藉貸時能夠提前確定利率，避免了因市場波動導致的利率不確定性。這項機制大大降低了借貸風險，吸引了大量厭惡風險的用戶。

其次，Notional Finance 的技術架構也為其帶來了顯著優勢。其 V3 版本引進了多個創新功能，進一步提升了平台的靈活性和使用者體驗。例如，V3 版本支援 12 種資產的借貸，並新增了 3 個 Aura 槓桿金庫策略，使用戶能夠更有效地利用資本。此外，Notional 還將 LINK、UNI 和 LDO 等代幣納入抵押品範圍，豐富了用戶的選擇。

Notional 的技術架構採用了先進的自動化做市商（AMM）模型，確保了平台的流動性和利率穩定性。透過在 fCash 和支援的資產之間部署多個流動性資金池，Notional 實現了高效的資金管理和風險控制。其自訂的 AMM 功能能夠動態調整曲線敏感性，減少滑點，確保存款和提款對實際利率的影響最小化。

此外，Notional Finance 的安全性也得到了充分保障。平台在程式碼編寫和測試階段進行了嚴格的審計和驗證，確保協議的可靠性和安全性。 Notional 與領先的安全審計公司如 APT 和 Certora 合作，透過不變性驗證和代碼競技場等手段，進一步提升了系統的安全性和用戶信任度。

綜合來看，Notional Finance 憑藉其獨特的固定利率借貸模式、先進的技術框架和強大的安全保障，在 DeFi 市場中建立了良好的聲譽。未來，Notional 將繼續創新，不斷優化其產品和服務，為用戶提供更安全、高效和多樣化的金融解決方案。

多項激勵計劃同步開啟，用戶狂薅Notional羊毛即可獲利

為了進一步提升用戶體驗和市場參與度，Notional Finance 推出了多項激勵計劃。這些計劃旨在吸引更多用戶使用 Notional 的產品，並獎勵那些在平台上提供流動性、借貸和使用槓桿策略的用戶。

ARB 激勵計劃概況：

從 2024 年 6 月 12 日起，Notional 在 Arbitrum 上推出了為期 12 週的 ARB 激勵計劃，總計分發 250,000 ARB。本計劃主要針對以下幾類使用者：

1、流動性提供者（LPs）：在 Notional 的固定利率市場提供流動性，賺取利息和交易費用。支持的資產包括 USDC、ETH、USDT、rETH 和 wstETH。

2、貸款人（Lenders）：透過存入代幣來獲得可變或固定利率的收益，並可以將這些代幣用作借款的抵押品。支持的資產包括 USDC、ETH、USDT、DAI、FRAX 和 wstETH。

3、借款人（Borrowers）：以可變或固定利率借入資金。支援的資產包括 USDC、USDT、DAI 和 FRAX。

4、槓桿金庫使用者（Leveraged Vault Users）：透過 Notional 獨特的槓桿金庫策略獲得槓桿收益。

積分計畫及分配方式：

ARB 激勵將透過積分計畫按月分發，積分計畫分為三個四季：

賽季1：分發55,000 ARB，從2024 年6 月12 日開始

賽季2和3：各分發60,000 ARB

用戶根據所持有的每美元資產和產品的倍增係數（Boost）獲得積分。例如，如果某用戶在 2 倍倍增係數的產品中存入 200 美元，他每天將獲得 400 點。積分在賽季結束時轉換為 ARB 分配，用戶獲得的 ARB 數量與其在賽季內獲得的積分比例直接相關。

參與方式：

1、造訪 Notional 平台：造訪 Notional Finance。

2、存入資產或借款：選擇在平台上存入支援的資產，提供流動性，或進行借款。

3、參與積分計畫：在 積分計畫頁面 查看各產品的倍增係數和細則。

4、領取獎勵：每個賽季結束後，根據積分比例領取相應的 ARB 激勵。

透過這些激勵計劃，Notional Finance 為用戶提供了額外收益機會，增強了平台的活躍度和用戶黏性。未來，Notional 將持續推出更多創新措施，推動 DeFi 生態系統的發展。

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