🟣 Telo Money: The Lending Layer of Mitosis

As Mitosis evolves into a full-stack programmable liquidity layer, new ecosystem dApps are emerging to expand its functionality across lending, trading, and coordination. One of the latest additions is Telo Money — a decentralized, community-governed money market protocol that enables lending, borrowing, and collateralization natively within the Mitosis ecosystem.

🔗 Visit Telo: https://telo.money

🧩 What Is Telo?

Telo Money is a modular lending protocol built on top of Mitosis' Vault Liquidity Framework (VLF). It enables users to:

• Supply and borrow assets
• Use maAssets, miAssets, or vanilla assets as collateral
• Interact with isolated asset pools to manage risk
• Participate in partial liquidations
• Earn interest from deposited assets

Unlike traditional lending protocols, Telo is designed to complement Mitosis' programmable liquidity stack. It supports modular vaults, on-chain agents, and cross-chain flows — making it a foundational tool for DeFi on Mitosis.

🔄 Three Types of Supported Collateral

Telo supports a broad set of assets for both lending and borrowing, all composable within the Mitosis ecosystem:

1️⃣ maAssets (Matrix Vaults)

• Created by depositing assets into Matrix Vaults
• Tokenized as transferable collateral (e.g. maETH, maUSDC, maweETH)
• Backed by permissionless liquidity provision
• Fully composable across DeFi and dApps in the Mitosis ecosystem
  📖 Learn more: Matrix Vaults

2️⃣ miAssets (EOL Vaults)

• Created via EOL (Ecosystem-Owned Liquidity) vaults
• Strategically managed capital by contributors, protocols, or the DAO
• Non-transferable outside the ecosystem, but usable within Telo
• Examples: miETH, miUSDT, miDAI

3️⃣ Vanilla Assets

• Standard ERC-20 tokens deposited directly into Telo
• Includes native assets like ETH, USDC, WBTC, etc.
• Suitable for users who want to interact with Telo without using vaults
• Easier onboarding path for external users

This tri-layered collateral model increases flexibility and allows users to interact with Telo in whichever way suits their liquidity profile.

🧠 Why Isolated Pools?

Telo uses isolated lending pools, where each asset is segmented from others to limit contagion and manage risk independently. This means:

• Safer market design
• Custom risk parameters for each pool (LTV, interest, liquidation thresholds)
• Easier integration of exotic or experimental assets

This model works particularly well in an ecosystem like Mitosis, where vaults and synthetic assets are actively evolving.

🌱 Governance & Community Ownership

Telo is designed to be community-governed, with decentralized participation over time. While governance details are still emerging, it’s expected to align with Mitosis' framework:

• Stake $MITO to get gMITO
• Vote on proposals to manage parameters, supported assets, and risk configs
• Earn LMITO rewards for active participation

Governance decisions may eventually expand to include:

• Adding new isolated pools
• Adjusting risk parameters
• Managing fee distributions and protocol upgrades

🔗 Key Links

• 🌐 Telo Homepage: https://telo.money
• 📘 Matrix Vaults (maAssets): docs.mitosis.org/developers/vlf/vault
• 📖 Mitosis Developer Docs: https://docs.mitosis.org
• 🧵 Telo on Twitter: https://x.com/telo_money

🧬 How Telo Fits Into the Mitosis Stack

🚀 Final Thoughts

Telo is the credit engine powering Mitosis-native lending markets. By integrating maAssets, miAssets, and vanilla tokens into a unified, risk-isolated lending environment, Telo creates a powerful financial primitive for agents, DAOs, and users alike. As the Mitosis ecosystem moves toward mainnet and DAO governance, Telo will be central in unlocking deeper liquidity utility across chains.