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Morpho Launches Fixed-Rate Lending Protocol Midnight on Base Chain

Project Progress

2026-07-21 13:02:47

MORPHO-2.30%

NIGHT-0.12%

According to The Block, Morpho has publicly launched Midnight, a fixed-rate, fixed-term lending protocol on Base. The protocol complements Morpho's existing variable-rate lending system (Morpho Blue) and aims to fill a gap in onchain credit markets. Unlike most decentralized lending protocols that rely on variable rates, Midnight allows lenders and borrowers to negotiate defined loan terms, interest rates, and counterparties in ways closer to traditional institutional credit markets. The protocol features an offer-book architecture and supports institutional and retail users, including financing for tokenized real-world assets and structured credit products. Morpho's lending network currently holds over $11 billion in deposits and counts Coinbase, Kraken, and other major institutions among its users.

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