Everyone in DeFi is competing over APR, but few seriously ask: when the market really turns hostile, does the APR you're chasing today still exist?

Floating interest rates sound very tempting—40% today, soaring to 60% tomorrow, funds pouring in like crazy.
But once liquidity dries up, borrowing demand sharply declines, or a black swan event strikes, interest rates can drop to zero instantly, and positions can go from profit to liquidation edge in a flash.
By then, even the most impressive historical APR won't save you. Because pricing power has never been in your hands; it’s in the market’s. The market won't give early warnings; it only strikes when you're most vulnerable.
True risk awareness isn't about panicking when the fire is at your doorstep, but about structuring your risks properly while everything still looks fine.
Next time you see a high APR, take a moment to ask yourself: if the market turns against you tomorrow, is your position really ready?
That's also why I pay close attention to @TermMaxFi’s fixed interest rate mechanism, locking in certainty before the market turns hostile.
@TermMaxFi #TermMaxFi