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Galaxy and CoinFund have turned the Aave/Morpho/Spark/Kamino borrow rates into GOFR, using it as an on-chain interest-rate entry point for institutions. The most compelling part isn’t betting on which lending protocol, but that whether “borrowing money is expensive or not” itself can also be packaged into an asset category. DeFi used to sell yield—now it’s starting to sell an interest-rate thermometer.