The Future of DeFi and Self-Repaying Loans

On the way to making decentralized finance (DeFi) more open, accessible and fair, the blockchain industry stumbled upon the very same problems that trouble the traditional financial world; but without a clear solution. High interest rates, complex repayment terms, and liquidation risks have found their way into DeFi as well, leaving borrowers burdened by the very system that was supposed to give them power.

But what if there was a better way? What if loans could repay themselves? That’s exactly what David Iach, a core contributor for Superseed, envisioned. The goal was to create a new financial primitive where borrowing becomes capital-efficient and debt management is automated.

To understand the future of DeFi and self-repaying loans, we sat down for an exclusive interview with David Iach, core contributor of Superseed. Here, David discusses key points about the necessity of an entity like Superseed for the future of decentralized finance.

Superseed: Origins, Growth, Risks, and Future

Lunar Strategy: Why did you start Superseed? What was the driving motivation behind it?

David Iach: I started contributing to Superseed because I had foreseen a problem no one else was solving. 

Most of my time in crypto I spent as an investor and as someone who is a strong believer in the potential of crypto, I want to stay invested in crypto long term. At the same time, I do want to benefit from being right about the assets I pick as an investor. 

Unfortunately, right now most crypto assets offer limited paths to monetize your ownership other than by selling the asset itself. That’s bad because it turns investors into traders. There has to be a better way. 

What if I could own a basket of crypto assets, borrow stablecoins against them, and never have to worry about paying those loans back because the protocols underneath will use the fees that they generate to automatically repay my loan over time. The need for a protocol like what Superseed solves for was born when I figured out that a DeFi protocol can be built to address this issue. 

Lunar Strategy: What is the key problem Superseed is trying to solve?

David Iach: The key problem that Superseed is trying to solve is value accrual for tokens. Superseed is trying to make tokens be more than just about utility or governance. If Superseed is successful a few years from now, every token will want to be a Supercollateral token. 

Lunar Strategy: How do you view the current DeFi landscape, and where does Superseed fit compared to platforms like Aave, Maker, or Optimism?

David Iach: I’m pretty happy with how things are progressing in DeFi. Platforms like Aave and Maker have clearly demonstrated the fact that there is a huge market for people who own crypto assets and would like to borrow against those assets. 

The slight problem I have is that most of the focus goes to assets like ETH, BTC, and stablecoins while a lot of the assets that got many of us excited about the possibilities of crypto have remained underserved. DeFi summer got us all excited about using governance tokens in various DeFi applications, but now one can no longer use most governance tokens as collateral anywhere. With the proper rails in place, 

I think we can change that. SUPR (Superseed’s native token) will be the first Supercollateral token in crypto, but down the road, Superseedplans to open up the protocol to other projects as well that would like to transition their tokens into Super collateral tokens. 

Regarding Optimism, Superseed is partnered with them in the Superchain, and we’re really excited about the Superchain vision. They’ve been great partners so far, and it was definitely the right choice to build side by side with them. 

Lunar Strategy: Where do you see Superseed in the next five years?

David Iach: Five years from now, if the Superseed Foundation is successful in executing its vision, every project that launches a token in crypto will want their token to be a Supercollateral token. Just like there was a transition from pure utility tokens to governance tokens, I believe we will see a transition from pure governance tokens into Supercollateral tokens. 

Lunar Strategy: What have been the biggest challenges you’ve faced as a Core Contributor for the Superseed Protocol, and how have you overcome them?

David Iach: Building in crypto is a lot harder than many outsiders realize. In fact, I’d argue it’s harder than many insiders who aren’t builders themselves realize. Every week a new challenge comes along that you need to face, and often there’s no great answer, just trade-offs that you need to face head on. We have faced plenty of such challenges so far, but luckily we have been able to navigate through them. 

Lunar Strategy: How important is community building for Superseed?

David Iach: Having a strong community is very important in crypto and the Superseed Foundation takes that seriously as well. I can already see the first innings of a subculture emerging around Superseed, and I definitely love to see that. People are creating Superseed art, Superseed games, lore and are making Superseed be part of their identity. We are still very early on our journey, but we are certainly moving in the right direction.  

Lunar Strategy: What’s one thing you wish the broader crypto community would pay more attention to in DeFi?

David Iach: Pay attention to those that are pushing the frontier. There’s a general feeling inside crypto that DeFi is relatively mature, that most of the useful things have already been created, and the exciting stuff now happens in other verticals. But that’s very far from the truth. We haven’t even scratched the surface of what DeFi can do for crypto and for the world.  

The Future of DeFi is Self-Repaying

Superseed aims to be established as a key player in capital-efficient borrowing. David Iach’s future-forward vision is clear: self-repaying loans create capital efficiency, Proof-of-Repayment provides sustainable incentives, and multi-chain expansion ensures future growth. All of this leads to sound, tangible money. When finance becomes clear, financial freedom becomes more attainable and accessible to all.

Right now when DeFi is becoming more complex and fragmented, Superseed offers a radically simple solution: let the network work for the user by transforming how decentralized finance works at its core.