$CPOOL | Cheaper Borrowing While Lenders Earn More Clearpool's RLOC vaults is a game-changer in DeFi lending. This is worth understanding so let's break it down. 🌊 What is RLOC? Clearpool's vault product mimicks traditional revolving credit lines on-chain. Borrowers get a credit limit and draw funds only as needed. No upfront capital lockup like fixed loans. Like a flexible credit card for crypto businesses. 🌊 How does it make borrowing cheaper? Pay interest only on borrowed amounts, not the full limit. For example: $1M line but use $300K? No interest on the idle $700K. Ideal for variable needs like seasonal businesses or RWAs. Pure efficiency, no wasted fees. 🌊 How do lenders earn more? Utilization fees on actual borrowing and idle capital auto-deployed to low-risk protocols like Aave or Compound for extra yield. Boosts efficiency by ~15% over traditional pools. Higher APRs via dual income: borrower interest + external yields. 🌊 Why significant for crypto? DeFi suffers from idle capital meaning lower returns. RLOC bridges TradFi flexibility with blockchain transparency, speeding RWA adoption, drawing institutions in, and raising standards for efficient lending protocols. Efficient protocols -> RWA adoption -> Trillions. As crypto matures, innovations like this could unlock trillions in liquidity, making DeFi more competitive with legacy finance.