Teller, a decentralized lending protocol, has launched a new borrowing and lending primitive that enables perpetual loans without liquidations. By removing price-based liquidation triggers, Teller allows users to maintain their positions through market swings instead of being forced to sell at the worst possible time. Teller allows users to borrow against digital assets without the threat of price-based liquidation. Instead of selling collateral when prices drop, Teller loans are structured around flexible, perpetual terms. Borrowers maintain access to capital as long as they meet periodic interest payments or rollover checkpoints. That means no forced selling and no liquidations triggered by price volatility, giving users greater peace of mind during unpredictable market conditions. Borrowers can access liquidity against a wide range of digital assets, from large caps like Bitcoin and Ethereum to long-tail, community-driven tokens such as $SPX, $PEPE, and $DOGE, without having to sell their spot. Loans can be rolled over indefinitely by paying only the interest due at the time. If the collateral’s value remains stable, no additional collateral is required; the position is automatically refinanced via a flash-loan mechanism. If the value has dropped, users can simply top up the collateral to restore the minimum ratio—no need to repay the principal. This structure allows users to borrow with confidence, even during extreme volatility or short-term dips. On the lending side, Teller offers single-sided exposure with compounding yield. Lenders deposit assets like Bitcoin or stablecoins into isolated lending pools and earn interest directly from borrower repayments. There’s no impermanent loss, no multi-asset exposure, and no need to manage paired positions. Risk is isolated and transparent, tied only to the collateral asset within each pool.
Study says while paying down debt remains a top priority for many households, a significant number are failing to take concrete steps that could ease financial strain and accelerate repayment.
A study from consumer finance platform Happy Money has revealed a striking disconnect in how Americans think about debt versus how they manage it. While paying down debt remains a top priority for many households, a significant number are failing to take concrete steps that could ease financial strain and accelerate repayment. More than one-third of respondents ranked debt repayment among their leading financial goals, yet one in five admitted they had taken no action in the past six months to address it. Only a small fraction had consolidated or refinanced debt strategies that could reduce interest costs and shorten payoff timelines. Meanwhile, with average credit card APRs now exceeding 20%, the cost of carrying a balance is more punishing than ever, and over a third of cardholders continue to roll debt from month to month. The consequences of this inaction reach beyond personal finances. The report highlights a direct link between debt-related concerns and well-being: more than 40% of those worried about credit card payments reported an impact on their mental health, and a third said it disrupted their sleep. Middle-aged consumers appear to be feeling the pinch most acutely, with nearly half in the 35–54 age bracket carrying a balance every month. Happy Money CEO Matt Potere believes the solution lies in making responsible borrowing more accessible and better understood. He argues that creditworthy borrowers often overlook the benefits of fixed-rate personal loans, which can replace high-interest revolving credit with predictable monthly payments. This, he says, can help consumers pay off multiple cards faster, save money on interest, and even improve their credit scores. For the FinTech sector, the findings present a clear opportunity. As traditional lenders and digital challengers alike search for ways to attract and retain customers, offering transparent, affordable, and wellness-focused credit solutions could prove a powerful differentiator.