Case study · Capital markets
WowFi
Lending, borrowing and trading on Ethereum.
- Product
- WowFi
- Service
- Design, blockchain, web development
- Sector
- DeFi
- Chain
- Ethereum
At a glance
How rewards work
Rewards calculated on time held and on maturity, rather than a single flat rate.
Lending, borrowing and trading in one protocol instead of three separate venues.
Built on Ethereum, where the deepest DeFi liquidity and tooling already sit.
Users stake crypto to participate, which is what funds the lending side.
The brief
Most staking pays for holding, not for committing
A flat staking yield treats a deposit that arrives today and leaves tomorrow the same as one committed for a year. That is simple to implement and it produces exactly the behaviour you would expect: capital that leaves the moment a better rate appears elsewhere.
The protocol's design answer is to make the reward reflect the commitment, not just the balance.
Reward the commitment, not just the balance, and the liquidity stops being a tourist.
The build
Ethereum, and a reward model with two axes
Building on Ethereum puts the protocol where DeFi liquidity, tooling and composability already are — for a lending protocol, being reachable by the rest of the ecosystem matters more than raw throughput.
The distinguishing design is the reward calculation. Using both time held and maturity gives the protocol two levers rather than one, which is what lets it encourage the behaviour a lending book actually needs: capital that stays.
Wow Labz covered design, blockchain development and web development, with UI design, blockchain, frontend, backend and testing roles on the team.
What it does
Three functions, one protocol
Lending and borrowing
The core DeFi pair, where staked capital becomes available to borrowers and lenders earn on it.
Trading
Trading in the same protocol, so a user does not have to leave to act on a position.
Time and maturity rewards
Staking returns calculated on both how long crypto has been held and its maturity, which prices commitment rather than presence.
Stack
What it was built with
Questions
WowFi, answered
What is WowFi?
A lending, borrowing and trading protocol built on the Ethereum blockchain. Users stake their crypto and earn rewards calculated on both time held and maturity.
How are rewards calculated?
On two variables rather than one: how long the crypto has been held, and its maturity. That prices commitment rather than treating every deposit identically.
Why Ethereum?
Because a lending protocol depends on being reachable by the rest of the DeFi ecosystem, and Ethereum is where that liquidity, tooling and composability already exist.
What did Wow Labz build?
Design, blockchain development and web development, spanning UI design, blockchain, frontend, backend and testing.
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