Maple

What is Maple?

Maple stands as a pioneering on-chain marketplace exclusively dedicated to meeting the lending needs of both Institutional and Individual Accredited Investors. Credit professionals adeptly manage fast-flowing lending businesses, where capital is syndicated and lent to institutional borrowers, facilitating their business growth and operations.

Access to a diverse array of opportunities with yields generated by lending to real businesses, meticulously underwritten by seasoned professionals. The platform empowers lenders with a curated mix of lending options to suit their liquidity, risk, and return requirements.

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Recent Video Interview

Main points of the interview:

• The transition from Fiat to stablecoins.
• Maple faced legal and asset challenges but evolved.
• Maple offers programmable loans using smart contracts.
• Maple now focuses on institutional lending with various strategies.
• The lending business is split between crypto-native and real-world asset loans.

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Advantages of Maple

Transparent Lending: Transparency is at the core of Maple's ethos. Every loan, loan term, and loan status are displayed with utmost clarity, allowing lenders to make well-informed decisions when allocating capital. The platform thrives on openness, fostering a secure environment for all participants.

Institutional Focus: Maple has strategically aligned itself with regulated service providers and leading institutions, offering custody and wallet solutions, as well as robust KYC and AML checks on lenders and borrowers. This institutional focus ensures a secure and compliant lending ecosystem.

Designed for Lenders: Navigating Maple is a user-friendly experience for lenders. Once onboarded, depositing funds and managing positions is straightforward. The dedicated support team is available 24/7 to assist lenders, underscoring Maple's commitment to providing an accessible and supportive lending environment.

Lending with Maple Finance

Lending through Maple Finance is the easiest way to earn, with lenders depositing into pools to earn interest denominated in the pool's liquidity asset. With no lock-up period in Maple V2, lenders can submit withdrawal requests at any time, processed in convenient cycles.

Pool Delegates play a pivotal role in managing lending pools on Maple. They negotiate loan terms, perform due diligence, and oversee collateral liquidation in case of defaults. This decentralized infrastructure empowers Pool Delegates to attract global capital and provide funding to premium borrowers, expanding their potential Assets Under Management (AUM) while earning performance fees.

Withdrawing with Maple

Withdrawal requests on the platform follow a structured process to ensure a fair and prorated distribution of funds in case of partial liquidity. These requests are organized into withdrawal cycles, recurring periods, such as weekly intervals. Each withdrawal cycle has a designated withdrawal window at its beginning (e.g., the first two days of the week), during which all withdrawal requests assigned to that cycle become eligible for processing.

The withdrawal process involves three steps:

1. Submission of Withdrawal Request: Users submit a withdrawal request during the current withdrawal cycle (Cycle 1). At this stage, users have the flexibility to modify or cancel their withdrawal request.
2. Waiting Period: Users must wait for the subsequent cycle to conclude before their withdrawal request becomes eligible for processing. For example, if a user submits a withdrawal request in Cycle 1, they can withdraw funds during Cycle 3, after Cycle 2 has completed.
3. Execution of Withdrawal: Once eligible, users can execute their withdrawal during their designated withdrawal window, ensuring a systematic and orderly distribution of assets from the protocol.

The MPL Token

MPL, the governance token of the Maple Protocol, enables holders to actively participate in governance decisions and earn fees. Through a staking program established in May 2022, MPL holders share in Maple's growth, with returns derived from protocol revenues.

Staking MPL into a Maple-owned and audited smart contract results in the issuance of xMPL. This ERC-20 token accrues distributed protocol revenues second-by-second, providing a seamless and rewarding experience for MPL holders. Notably, MPL staked into the xMPL contract is safeguarded and not utilized as a form of first-loss pool cover, nor lent out or employed by other contracts to earn yields.

Maple Team Background and Partners

The core members of Maple are:

• Sid Powell: CEO and Co-founder
• Joe Flanagan: Co-founder
• Quinn Thompson: head of Capital Markets and Growth
• Matt Collum: Head of Engeneering
• Ryan O'Shea: Head of Operations

Maple has partnered with MetaMask, Circle, TRM, Qredo, Trail of Bits, Anchorage Digital, ImmuneFi, Fireblocks, Meow, Coinbase, Gnosis Safe, and code4arena...

Maple Project Development

Maple, a prominent lending marketplace and technology provider, is partnering with Circle Internet Financial (Circle), a global financial technology company and the issuer of USDC, to enhance the adoption of USDC. This collaboration involves Circle funding a loan from its corporate treasury to Maple's Secured Lending pool.

Expanding on a track record of successful innovations in the lending sector, which includes Maple's initial pool on Solana, this new investment in the lending pool is in line with Circle's ongoing dedication to fostering USDC adoption. Anticipated to gain momentum, especially as corporate finance facilities increasingly embrace USDC, this initiative marks another stride in both companies' commitment to advancing financial technology.

Maple Price Analysis

As of November 24 2024 Maple has a marketcap of $180M. This is {{percentagefromath}} from its all time high of $68.20. In terms of its tokenomics, there's a total supply of 10M with 78% currently outstanding. Keep in mind Maple has a fully diluted value of $229M which many investors might interpret as overvalued.

Of course, don’t trust price predictions alone, always check the Coinrotator token screener to follow the trending market.