inwstETHs is now Live on TermMax

Inception's liquid token, inwstETHs, has officially integrated with TermMax, expanding the utility of the asset and offering users new opportunities to lend and borrow with predictable, fixed terms:

-> https://app.termmax.ts.finance/borrow?collateralToken=1%3A0x8e0789d39db454dbe9f4a77acef6dc7c69f6d552

This integration brings tangible benefits to users looking for stable reward generation or capital efficiency strategies without the volatility of floating interest rates. Here's a clear breakdown of how this integration works and what you can now do with inwstETHs on TermMax.

What is TermMax?

TermMax is a decentralized borrowing and lending protocol designed around fixed rates and fixed maturities. Instead of dealing with fluctuating rates typical in DeFi, TermMax lets users:

• Lend assets for a known return over a set period.
• Borrow assets against collateral at a locked-in cost.

It simplifies DeFi lending and borrowing by offering predictable outcomes, making it a useful tool for both passive yield seekers and active DeFi participants.

inwstETHs on TermMax (Source)

How the inwstETHs Market Works on TermMax

Lending wstETH

You can now lend wstETH to borrowers who post inwstETHs as collateral. Here’s how it works:

• Fixed APY: 4.48%
• Maturity Date: May 30, 2025
• Available Capacity: ~$824K (Data as of the time of writing)

By lending wstETH, you lock in a 4.48% annualized rewards until maturity. Your principal is backed by inwstETHs collateral, providing an added security buffer.

Once you enter the position, the rate is guaranteed, no matter how market rates evolve. If you want to exit early, TermMax’s AMM offers a secondary market for trading your position.

✅ Ready to lend or borrow? You can access the live markets directly here: Explore TermMax

Borrowing wstETH

For the Inception users who hold inwstETHs, you can borrow wstETH against it:

• Borrow Rate: 4.58% fixed APY Loan-to-Liquidation Value (LLTV): 0.94 Maturity Date: May 30, 2025 (Data as of the time of writing)

By depositing inwstETHs, you can borrow up to 94% of its value in wstETH at a fixed cost, due at maturity.

This mechanism not only allows you to access liquidity without selling your restaked assets, it also opens the door to looping strategies, where you can redeploy the borrowed wstETH for inwstETHs for layered exposure.

Additional Incentives for Borrowers

On top of this, borrowers who post inwstETHs as collateral are eligible for:

• 2x InceptionLRT Totems
• 1x Symbiotic Points
• 1x Mellow Points
• 1x Ditto Points
• 1x Turtle Club Points

These incentives further boost the benefits of participating in the borrowing market, making it attractive for users looking for optimal exposure for both liquidity and rewards.

Key takeaway: Once you enter your lending or borrowing position, your rate is locked and protected, while additional incentives provide extra upside for active borrowers.

Why This Matters

This integration adds one more avenue of real value for inwstETHs holders:

• Unlock Liquidity: Borrow against your inwstETHs without selling and forfeiting your restaking rewards.
• Predictable Returns: Lend wstETH with a guaranteed fixed yield, ideal for planning and passive income strategies.
• Risk Management: Fixed terms reduce the risks associated with rate volatility and offer clearer outcomes for both lenders and borrowers.

Additionally, the conservative LLTV provides a buffer against market volatility, offering more security to both sides of the market.

Final Thoughts

The integration of inwstETHs into TermMax opens up an important fixed-rate market that didn't exist before for Inception's LRT holders. Whether you want to put your assets to work for passive yield or tap into liquidity without selling your restaked assets, this provides a clean, transparent, and predictable pathway.

You can explore the live markets directly on TermMax and see available opportunities today.

➡️ Check live opportunities on TermMax here and see how you can earn further rewards on your inwstETHs

If you're looking to make the most of your inwstETHs while minimizing exposure to rate swings, TermMax now offers a straightforward, no-frills solution.