🧨 Lunar New Year holiday: First‑gen "personal finance" share:
If you’re like me, you just want to lounge on the sofa during the holidays, trade and tinker as little as possible, yet still catch the yields — Kamino is now the closest solution on Solana to "institutional‑grade passive investing" 🔒
Before diving into Kamino’s recent major updates,
bookmark this or save the image – the picture summarises:
1️⃣ Mainstream finance vs CEX vs generic DeFi vs Kamino
Yield comparison across tracks %
2️⃣ Three recommended strategies include:
Conservative & Neutral (institutional logic) & Aggressive
Beginner users can first watch this First‑gen Kamino video
(What is Kamino, my three go‑to strategies)
https://t.co/AR5X4QBpGl
TL;DR: If you plan to operate less during the Spring Festival,
consider moving assets into Kamino to earn APY + incentive subsidies.
————
1. Full rundown of Kamino’s recent major updates:
Institutional‑grade + RWA era officially launched 👇
Many still think of @kamino as “the biggest lending protocol on Solana,” but starting December 2025,
Kamino’s role shifts from a "lending protocol" to:
An institutional‑grade financial infrastructure on Solana + a core RWA hub
The upgrade was publicly disclosed during Hong Kong Consensus.
@cheryldchan announced six updates, the most impressive being:
👉 Partnership with Pantera Capital’s DAT
👉 Compliance custody via Anchorage Digital
In plain terms:
Assets stay in a custodial account while still participating in on‑chain lending.
♻️ Old flow: assets → withdraw → on‑chain → collateralized loan
♻️ New flow: assets remain in Anchorage custody, mapped through a compliant structure → used as on‑chain collateral → borrowed on Kamino
—Legally the assets stay with the custodial bank, but economically they can engage in on‑chain finance.
It solves a decade‑long DeFi problem: institutions have capital but can’t enter.
Now pensions, family offices, listed companies, large funds can legally and compliantly join, with auditability, custody, and risk control.
A true TradFi ↔ DeFi bridge.
This upgrade opens huge upside for the crypto space!
2. The other six institutional‑grade heavyweight updates:
1️⃣ Fixed Rates – previously DeFi suffered from floating rates. Kamino now allows locking term + borrowing cost, a prerequisite for institutional on‑chain adoption.
2️⃣ Borrow Intents – order‑book style lending. Users post loan terms (amount, rate, duration); counterparties fill the order, suitable for large, customized loans.
3️⃣ Private Credit – custom institutional credit lines for high‑value assets like BTC‑backed collateral.
4️⃣ RWA‑only market – real estate, funds, bonds, etc., can be borrowed/lent or traded on Kamino’s RWA market.
5️⃣ Kamino SDK / BuildKit – new SDK lets other dApps and wallets embed Kamino’s yield modules, making Kamino a composable DeFi layer.
3. Highlights of this Kamino wave:
1️⃣ Solves unpredictable DeFi rates.
2️⃣ Bridges off‑chain asset collateral.
3️⃣ Introduces real‑world asset (RWA) yields.
Kamino is no longer just a “high‑APY lending platform”; it’s an on‑chain financial system usable by institutions.
Back to business, updates are one thing; the Spring Festival (less action, more passive earn) is another.
4. Kamino now fits passive strategies perfectly (see graphic):
😳 Conservative (for users not monitoring during the holiday)
▪️ USDC deposited into RWA / stablecoin vault
▪️ APY 5%–14%
▪️ Auto‑compounding, no loop‑leverage liquidation risk
😎 Neutral (pure institutional logic)
▪️ SOL / staked SOL as collateral
▪️ Borrow USDC
▪️ Re‑invest into RWA vault, earning staking + lending spread + RWA yield
😠 Aggressive (for the bold, watch LTV risk)
▪️ Multiply vault leveraged loop
▪️ LST stacking
▪️ 15%–25%+ APY
5. If you use OneKey wallet,
remember to join the OneKey user Spring Festival special event @OneKeyCN
During the event, using Kamino in the OneKey app to borrow USDC yields KMNO token rewards:
▪️ Up to $20,000 USD equivalent KMNO per week
▪️ Roughly 500,000 KMNO at $0.04 each
▪️ Period: Jan 27 – Feb 26
▪️ Daily 12:00–13:00 (UTC+8) auto‑distribution
Result: base APY + token subsidy double earnings.
@kamino now:
▪️ TVL remains Solana lending #1
▪️ Zero bad‑debt history
▪️ Continuous inflow of institutional capital
▪️ Deep RWA integration
▪️ Fixed rates + off‑chain collateral structures
Chinese market awareness lags, but institutions are already on board~
@Solana_zh @solana #defi #理财