TL;DR
Lending is one of the best ways to experience DeFi, but for users it often creates a headache with too many protocols and too many choices. That’s why SuperIntent picks the best for you. In this article, we introduce Morpho, explaining its market and Vault mechanisms and why we’ve integrated it into our platform. Yet, even with Vaults there is another layer of choice. We’ll walk you through why that matters and how SuperIntent Earn helps you cut through the noise to Earn More, Think Less.
Related: SuperIntent: The First Omnichain AI Crypto Super App
The Beauty of Lending in DeFi
In traditional finance, banks sit at the center of lending. Depositors earn little, borrowers pay much more, and the spread becomes the bank’s profit. In this system, only banks can truly act as lenders, keeping the power concentrated in institutions. Even if you have surplus capital, it is difficult to bypass these institutions and lend effectively across borders. At most, you might lend to people you personally know, but in that case, you alone bear the risk of default.
Decentralized finance (DeFi) fundamentally rewrites this game. Instead of banks, smart contracts act as the new intermediary. Anyone, anywhere, can supply assets into a lending protocol and instantly become a lender to participants around the world. In traditional banking, credit scores are used to screen borrowers and price risk; in personal lending, trust and intuition become your only defense. In DeFi, this problem is solved with over-collateralization: borrowers must first deposit assets worth more than the value of what they borrow, ensuring the protocol remains secure. Equally important, the rules are transparent – collateral ratios, liquidations, and interest models are all visible on-chain. Lending becomes open, global, and verifiable. That’s why we think DeFi lending is beautiful – it returns a role once reserved for banks back into the hands of every participant.
To understand how this works, you can think of a lending protocol as a platform that connects the supply and demand for capital. But there are dozens of protocols out there, each with its own mechanics, risk models, and complexities. For new users, navigating this landscape can quickly feel overwhelming. And this is what SuperIntent enables. We bring trusted options directly into our platform – so you can think less, earn more. Sounds great, right? Let’s dive into the very first lending protocol we’d like to introduce to you – Morpho.
What is Morpho?
Founded in 2021, Morpho is a decentralized lending protocol that runs across multiple EVM-compatible chains such as Ethereum, Base, and Arbitrum. While it is not the first lending protocol, it represents a new paradigm in DeFi lending.
Traditional lending protocols such as Aave or Compound follow a “pooled market” model – essentially one giant pot : you deposit USDC, he deposits ETH, and she borrows USDT all from that same pool. This pooled design is simple and liquid, but because all the assets sit in the same pool under shared rules, flexibility is limited.
Morpho takes a different approach. Instead of one big pool, it split liquidity into many independent “markets”. For example, USDC ↔ ETH is a dedicated market, while USDT ↔ ETH is another. Within each market, Morpho directly matches lenders and borrowers, which means that idle capital can be more efficiently utilized – funds don’t sit around unborrowed as often as in pooled models. Each market is also permissionless, independent, and immutable once created, making Morpho far more flexible than traditional pooled lending protocols.This innovative market design, combined with its strong security practices, makes Morpho the first lending protocol we want to highlight for our users.
(Source: Morpho Documents)
From Markets to Vaults
Morpho’s isolated market design strengthens both risk management and flexibility. If one borrower’s over-collateralized position gets liquidated, it won’t spill over to affect other markets—each pair of assets lives in its own sandbox. But with that advantage comes a new challenge: choice overload. Suppose I want to borrow USDC. Which market should I use? ETH–USDC or WBTC–USDC? Therefore, For the average user, Morpho’s markets are not meant to be accessed directly by end users. This is where Vaults come in.
(Source: Morpho Documents)
Built on top of Morpho Markets, Vault acts as an investment fund. You deposit once, and the Vault automatically spreads your capital across multiple markets according to a predefined strategy created by its curator. When you deposit into a vault, you receive a “vault shares token” that represents your portion of the Vault – not the original token. For example, if you deposit 200 USDC into the Morpho Smokehouse Vault on Ethereum, you’ll receive a certain amount of bbqUSDC tokens. These tokens act like a receipt or claim check: when you withdraw, you return them to redeem your original deposit along with any yield earned.
Over time, Vault follows its own curated strategy to rebalance allocations in different Morpho markets, aiming to give users better yields without the need to manage individual markets themselves.
(Source: Morpho official website )
Anyone can become a Vault curator, which means there are dozens of Vaults to choose from – creating yet another headache: “Which Vault should I trust?” That’s where SuperIntent comes in again.
We take that burden off your shoulders by integrating only Vaults from top-tier investment institutions such as Steakhouse Financial, MEV Capital, and Gauntlet have already launched Vault strategies on Morpho – teams with a proven track record in DeFi strategy design and risk management. With SuperIntent, you can enjoy the benefits of Morpho Vaults without worrying about filtering through unverified or experimental strategies.
Morpho by Numbers: $7B TVL, 27 Audits
The numbers speak for themselves: Morpho has raised $69.35M from investors including Ribbit Capital, a16z Crypto, Coinbase Ventures, Variant, Brevan Howard, Pantera, and BlockTower.
Currently, Morpho holds $11.2B in total deposits, $3.7B in active loans, and a protocol TVL of $7.49B—placing it among the top 10 DeFi protocols. On the other hand, Morpho has completed 27 independent audits conducted by 12 different security firms, following strict security practices to minimize risk.
(Source: DeFiLlama)
Altogether, these on-chain metrics and a solid security posture provide strong trust signals that support our decision to integrate Morpho into SuperIntent Earn.
How SuperIntent uses Morpho inside “SuperIntent Earn”
User flows we enable:
- Download the App https://apps.apple.com/app/id6748820004
- Connect your EVM Wallet
- Click Earn
- Select Strategy
- Click any token
- Personalized strategy discovery: based on your intent, risk profile, real-time portfolio data, and market conditions, SuperIntent provides tailored DeFi strategies from top protocols. For example, we might suggest “Morpho – MEV Capital Vault” with a 10.25% APR when it best matches your risk and goals
- One-click execution: once you pick a strategy, SuperIntent handles approvals, routing, cross-chain transfers (in the future), Vault deposits, and position creation. No manual clicks across multiple dApps.
- Live monitoring & smart rebalance: every SuperIntent position is monitored for health and performance. When a better risk-adjusted opportunity appears (e.g., an attractive APR on other protocols and meets your requirements ), you get a push notification with a one-click rebalance option.
- Full transparency: we show estimated APR, historical performance, current position health, and execution details so you always know where your funds are and how your funds are deployed.
Related: Your Intent Matters. SuperIntent Turns It Into Action.
Wrap-up & Next Steps
Morpho is just the first step in SuperIntent Earn’s plan to bring best-in-class DeFi protocols into one intent-driven app. We’ll keep adding partners like Aave, Compound, Fluid, and Spark – and publishing easy-to-read deep dives that explain why each integration matters.
SuperIntent was built to make DeFi investing simple and accessible. Our Alpha App is out! Download the App and start earn rewards with SuperIntent x Morpho!
https://apps.apple.com/app/id6748820004
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⚠️ Note: Morpho Vaults make lending easier, but they don’t remove risk. Losses in underlying markets or vault contracts can still affect depositors. Always DYOR (Do Your Own Research) before depositing funds.
About SuperIntent
SuperIntent is a Crypto AI super app that simplifies and personalizes onchain investing. Built on a multi-agent framework and intent technology, it helps users find alpha, manage risk, and grow assets with ease.
