Telo Money: Mitosis’ Native Lending Protocol That Powers Composable DeFi

As DeFi matures, it’s no longer just about simple lending and borrowing. It’s about building capital-efficient, composable strategies that amplify every dollar you deploy.

Enter Telo, the first natively built lending protocol for the Mitosis blockchain. More than a money market, Telo is a strategic liquidity engine designed for the era of programmable yield and recursive finance.

This article breaks down how Telo works, what makes it unique, and how you can start maximizing yield without ever leaving the Mitosis ecosystem.

🏦 What is Telo?

Telo is a fully composable lending protocol built from the ground up on Mitosis. It enables users to:

• 📥 Deposit Mitosis-native assets like miUSDC, miETH, or miDAI to earn interest
• 💸 Borrow against deposits without liquidating your position
• 🔁 Loop capital into new strategies (vaults, farms, NFTs, etc.)
• 🧱 Use vault tokens as collateral to enable next-level DeFi composability

In short: Telo turns static deposits into dynamic, strategy-powered positions.

🔧 Built Natively for Mitosis

What separates Telo from legacy lending dApps or bridged protocols?

✅ No retrofits — Telo is built directly on Mitosis
✅ miAsset native — Integrates seamlessly with assets like miETH or miUSDC from Matrix and EOL vaults
✅ Low gas, high throughput — Built to match Mitosis’ chain performance
✅ Governance-controlled rates — gMITO token holders decide interest rate curves

Unlike forked lending apps, Telo completes Mitosis’ programmable liquidity stack by turning passive assets into active yield tools.

🧠 How Telo Works: Step by Step

Here’s how to use Telo effectively:

1️⃣ Deposit & Earn Instantly

Supply miAssets like miUSDC into Telo. These tokens already yield passively from vaults (Matrix, EOL), and Telo stacks additional APY on top via:

• Interest paid by borrowers
• Ecosystem rewards
• Potential protocol emissions

Your assets keep earning in the background, while unlocking new financial power.

2️⃣ Borrow Without Selling

Use your deposit as collateral to take out loans in stablecoins or other supported tokens. Perfect for:

• Trading opportunities
• Farming incentives
• NFT purchases
• Reinvesting in vaults

And you retain full exposure to the original asset while still farming more elsewhere.

3️⃣ Multiply Your Strategy

This is where the magic happens:

• Deposit → Borrow → Redeploy → Repeat
• Loop capital through Telo, Matrix vaults, and Chromo swaps
• Build complex yield stacks without leaving Mitosis

With Telo, every $1 becomes $X in output via recursive DeFi mechanics.

💎 Why Telo + miAssets = DeFi Gold

miAssets are yield-bearing by default thanks to the Matrix and EOL frameworks.

Here’s what happens when you plug them into Telo:

This synergistic loop is only possible within Mitosis because every layer — vaults, swaps, lending — speaks the same native language.

⚖️ Governance and Rate Control via gMITO

Telo doesn’t hardcode its economics. Instead, it allows gMITO holders to shape interest rates, collateral factors, and protocol parameters. This means:

• Lending remains community-tuned
• Parameters evolve as strategies mature
• Protocol remains decentralized and responsive

🧠 Final Thoughts: Telo as the Yield Engine of Mitosis

Telo is not just a lending protocol. It’s a strategic DeFi primitive designed to unlock the full potential of Mitosis’ programmable liquidity.

Whether you're a trader, farmer, or yield strategist, Telo offers the tools to loop, stack, and scale your assets — safely and efficiently.

✅ No need to exit the chain
✅ No need to sell assets
✅ No need for bridges or fragmented UX

Ready to borrow, loop, and earn?
The time to master capital composability is now—especially with Mitosis’ mainnet around the corner.