[PRESS RELEASE – HONG KONG, HONG KONG, January 5th, 2026]

TermMax, the leading fixed-rate protocol for decentralized finance, has announced the introduction of the first fixed-rate borrowing market utilizing tokenized stock collateral on BNB Chain, enabling Ondo Global Markets’ tokenized securities as eligible collateral.

This launch arrives during a period of extreme market volatility, significantly increasing institutional demand for fixed-rate solutions in DeFi. Unlike variable-rate protocols prone to unpredictable borrowing costs and yield changes, TermMax offers the rate certainty necessary for institutional investors, replicating the stock-borrowing experience familiar to traditional finance stakeholders, while also allowing for early repayment or rollover extensions.

“Recent market turbulence has validated what we’ve long believed: institutions need rate certainty to deploy capital at scale in DeFi,” remarked Jerry Li, CEO of TermMax. “Our fixed-rate tokenization mechanism eliminates interest rate risk, enabling treasuries and institutional allocators to plan with confidence.” “Son zamanlardaki piyasa dalgalanmaları, uzun zamandır inandığımız bir gerçeği doğruladı: Kurumların DeFi’de ölçeklenebilir sermaye tahsisi için oran kesinliğine ihtiyacı var.”

Institutional Infrastructure Meets Fixed-Rate Innovation

The architecture of TermMax’s protocol addresses the fundamental requirements of institutional participation in DeFi. The platform employs a zero-coupon bond model, providing clear borrowing costs and predetermined yields for lenders, thus eliminating the rate volatility that has historically deterred institutional funds.

As corporate treasuries and asset managers increasingly invest in digital assets, the growing Digital Asset Treasury (DAT) sector has created a pressing need for sophisticated fixed-income products. TermMax’s vault system allows professional asset managers to allocate capital across various fixed-rate markets while adhering to strict risk parameters.

First-Mover Advantage in RWA Collateral

Following its strategic roadmap, TermMax is penetrating RWA markets by incorporating Ondo Global Markets tokens as permissible collateral. Ondo Global Markets has swiftly emerged as the leading platform for tokenized securities, reporting over $350 million in Total Value Locked (TVL), with access to more than 100 tokenized U.S. stocks and ETFs.

This integration provides tokenized equity holders with unprecedented access to fixed-rate liquidity against their holdings, a capability that has been historically unavailable in DeFi. TermMax bridges traditional securities with fixed-rate borrowing, thus unlocking new capital efficiency opportunities for both crypto-native and traditional finance participants.

“The linkage of RWAs with fixed-rate DeFi heralds the next advancement in on-chain finance,” Jerry Li stated. “Being the first to offer Ondo Global Markets collateral for fixed-rate borrowing places TermMax at the convergence of two of the most rapidly evolving sectors in digital assets.” “RWA’ların sabit oranlı DeFi ile birleşimi, zincir üzerindeki finansmanın bir sonraki evrimini temsil ediyor.”

Addressing the Gap in RWA

The rapid growth of private credit within blockchain infrastructure and the swift tokenization of conventional securities have generated a considerable demand for fixed-rate products. TermMax facilitates fixed-rate stock token borrowing, allowing users the option to roll over for long-term borrowing or early repayment anytime with minimal break-funding costs—mirroring the flexibility found in traditional stock borrowing.

With capabilities for physical asset delivery, TermMax supports options markets for stock token holders, providing opportunities for yield generation through covered call strategies. At the same time, users can take advantage of call and put options, extending financial engineering possibilities to stock token options markets; this innovation has already been implemented on BNB Chain for Binance Alpha token markets at TermMax.

Over-collateralization requirements and transparent on-chain tracking of all loan positions deliver risk management frameworks that align with institutional standards.

About TermMax

TermMax is a pioneering protocol in fixed-rate tokenization, revolutionizing the borrowing and lending landscape in decentralized finance. By utilizing specialized tokens and smart contract mechanics, TermMax provides predictable returns for lenders alongside transparent costs for borrowers. The protocol effectively connects traditional fixed-rate financing with DeFi, catering to both institutional and retail entities. For further details, users can visit https://ts.finance/termmax.