Paul Frambot

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Paul Frambot

Paul Frambot is the CEO and Co-founder of , a company focused on developing decentralized lending protocols. He co-founded in 2021 to improve capital efficiency within lending markets. [1] [2]

Education

Frambot graduated from the Institut Polytechnique de Paris in 2022 with a Master’s in Parallel and Distributed Systems and . [4] [2]

Career

Frambot is the CEO and Co-founder of . He co-founded the company in 2021 while completing his Master's at the Institut Polytechnique de Paris. is responsible for developing and growing the protocol, which is designed to enhance capital efficiency in decentralized lending.

Under Frambot's direction, has secured funding, including an $18 million raise from investors such as and Variant. The protocol has achieved significant scale, becoming a multi-billion-dollar lending platform. A key development is Blue, a simple, independent, and flexible base layer for decentralized lending, designed to be secure and efficient. [1] [2] [5]

Interviews

Money Markets

On the Bell Curve podcast, Frambot discussed V2, a platform introducing fixed-rate borrowing and lending. He explained that V2 aimed to solve issues and improve upon V1, not solely focus on fixed rates. He highlighted V2's intent-based model, allowing market participants to manage risk and pricing dynamically, potentially attracting traditional finance users seeking predictable terms. The discussion covered market demand, vaults, and challenges like liquidity fragmentation and risk management for curators. [6]

Crypto Lending

In an episode of "The Crypto Beat," Frambot contrasted with platforms like , noting that provides a framework for developers to build tailored lending products, whereas manages risk and code internally. He acknowledged the risks of markets, including initial deployments of questionable markets on . Frambot mentioned the trend of existing DeFi protocols moving towards infrastructure solutions and highlighted Coinbase's integration of 's technology to offer decentralized lending features within its app, emphasizing over-collateralized loans and transaction transparency to build user confidence. He stated 's focus is on connecting diverse financial opportunities with technical backends and scaling decentralized financial products. [7]

Morpho Blue

Speaking on The Big Whale podcast, Frambot discussed Blue, emphasizing its role in enhancing the efficiency and accessibility of lending and borrowing on public . He highlighted the benefits of decentralized infrastructure for optimal matching without traditional finance's regulatory constraints. Frambot explained 's evolution from an aggregator to an independent lending protocol, enabling diverse financial products for various risk profiles. He noted the protocol's focus on decentralization and user control, differentiating it from platforms like by allowing users to build their own infrastructure. Frambot also touched on 's business models and future token functionality, and addressed concerns about liquidity fragmentation and risk management. [8]

Morpho Labs

In an interview with Re7 Capital, Frambot discussed the evolution of and role in improving lending and borrowing efficiency. He shared his entry into in 2016 and the user experience challenges in early before platforms like and . He noted that many 2020-2022 innovations focused more on incentives than fundamental improvements. Frambot suggested a post-market setback rational approach could lead to lasting innovations. He detailed peer-to-peer matching system, which aims to improve interest rates by enabling direct lender-borrower engagement while utilizing the infrastructure of established platforms like and . He expressed for future innovation and encouraged education and thoughtful participation. [3]

Presentations

Morpho

At EthCC 2022, Frambot presented on the lending protocol, recounting his journey. He mentioned early models like Dharma being inefficient due to low engagement, leading to a temporary break from DeFi. He noted impact in 2020 by providing liquidity and creating wide rate spreads due to pool imbalances. Frambot introduced as a more efficient protocol that facilitates matching without direct interaction with , aiming for better rates. He stressed capital efficiency in , especially after market downturns, and described as a protocol balancing complexity and efficiency for improved user lending experiences. [9]

Panels

Fireside Chat

During a fireside chat at Variant LP Day 2024, Frambot described 's shift from a lending rate aggregator to a decentralized lending protocol for , immutable market creation. The move aimed to overcome limitations of relying on off-chain systems and enhance user control and resilience. Frambot contrasted with governance-heavy protocols by offering an open framework for lending market development and discussed bridging with traditional finance. He noted increasing interest from asset managers and the growing importance of , highlighting how decentralized infrastructure can boost cost efficiency, liquidity, and innovation. He also provided details on 's token model, which used non-transferable tokens to reward early participants and encourage long-term alignment. [10]

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