Summary
- Zero liquidations occurred across Maple Finance’s loan book despite the largest single-day liquidation event in crypto history.
- 15 margin calls were successfully resolved, ensuring all loans remained healthy.
- $10M in new deposits flowed into Maple pools post-event, reflecting lender confidence in secured yield products.
Crypto’s Historic Liquidation Event
On February 2nd, crypto markets witnessed unprecedented volatility, with $10B+ liquidated** within 24 hours. ETH plummeted briefly to ~$2,000, while other assets dropped 10–30%**.
Despite this, Maple’s secured lending products (Blue Chip and High Yield) maintained full overcollateralization, thanks to real-time risk management. Unlike DeFi’s automated liquidations, Maple’s structured credit model enables:
- Proactive margin calls before collateral becomes critical.
- Conservative loan structures with buffer thresholds.
- Zero forced liquidations—borrowers topped up collateral or repaid early.
👉 Discover how Maple’s risk framework outperforms DeFi peers
Margin Calls and Pool Performance Breakdown
Blue Chip Secured Pool
- Zero margin calls—BTC-collateralized loans at low LTVs.
- Ideal for institutional lenders (treasuries, family offices) seeking stability.
High Yield Secured Pool
- 100% of loans received margin calls due to altcoin collateral thresholds.
- All positions reinforced within hours; $2M+ new deposits post-event.
Syrup Pool
- 35% of loans margin-called (mix of BTC/altcoin collateral).
- $5M in new deposits as lenders capitalized on market dips.
Total adjustments:
- $7.4M additional collateral posted.
- $7.4M loans repaid early, strengthening the portfolio.
Why Maple’s Model Excels During Volatility
- Overcollateralization Growth: Loans average ~165% collateralization post-recovery.
- Rebound Resilience: Extra collateral collected during dips enhances loan health.
- Institutional Trust: Zero defaults/liquidations solidify Maple as a leader in digital asset credit.
👉 Explore institutional-grade yield opportunities
Yield Comparison: Maple vs. DeFi Alternatives
Post-volatility, DeFi yields declined sharply:
- sUSDe: Dropped 20% to ~10%.
- Aave USDC/USDT: Fell to 6–6.3%.
Maple’s outperformance:
| Pool | 7-Day Yield |
|-----------------------|------------|
| Blue Chip Secured | 11.6% |
| High Yield Secured | 13.6% |
| Syrup (USDC/USDT) | 13–13.6% |
Short-term liquidity + locked rates = reliable yields amid volatility.
FAQs
Q: How does Maple avoid liquidations during crashes?
A: Proactive margin calls and conservative LTVs allow borrowers to act before collateral becomes insufficient.
Q: Why choose Maple over DeFi lending?
A: Structured credit minimizes automated liquidations, offering stability and higher yields.
Q: What collateral types does Maple accept?
A: BTC (Blue Chip) and select altcoins (High Yield/Syrup), all with strict LTV ratios.
Conclusion: The Institutional Standard
With zero defaults, $10M+ inflows, and consistent yields, Maple Finance is the premier platform for secured digital asset credit.
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