Unifying DeFi: Chris from Curvance on building the future of decentralized finance

Sam kamani

March 14, 2025

The problem with DeFi today

DeFi has come a long way, but fragmentation remains a major hurdle. Users looking to maximize yield must navigate multiple protocols, bridge assets between chains, and manually track positions. Some of the biggest challenges include:

Scattered liquidity – Assets are spread across multiple lending and yield farming platforms, reducing efficiency.
Complicated user experience – Managing DeFi strategies requires multiple wallets, dashboards, and manual rebalancing.
Risk of liquidations – Many DeFi platforms have rigid collateralization models, leading to forced liquidations during volatile markets.
High fees and inefficiency – Gas fees and slippage make active DeFi management expensive, especially on Ethereum mainnet.

Chris and his team at Curvance are building a solution that aggregates and optimizes these functions, allowing users to access multiple DeFi services from a single, unified platform.

What makes Curvance different?

Rather than just another lending or yield farming platform, Curvance acts as a bridge between different DeFi protocols, helping users maximize capital efficiency while minimizing complexity. Key innovations include:

1. Automated yield optimization

Users can deposit assets once, and Curvance automatically allocates liquidity across multiple yield sources.
This eliminates the need for manual yield farming, staking, and rebalancing.

2. Cross-chain lending and borrowing

Instead of borrowing against assets on just one chain, users can leverage multi-chain collateralization.
This allows users to borrow on Ethereum while staking assets on Avalanche, Polygon, or other supported networks.

3. Risk-adjusted collateral models

Traditional DeFi platforms use static collateralization ratios, which often result in unnecessary liquidations.
Curvance uses dynamic risk assessment to adjust loan-to-value (LTV) ratios, making lending safer and more flexible.

4. Single-dashboard DeFi management

Users can monitor all DeFi positions across chains in one interface.
The goal is to replace the need for multiple wallets, dApps, and dashboards with a simplified experience.

These features streamline DeFi, making it easier for both beginners and advanced users to optimize yield, borrow efficiently, and manage risk.

The importance of interoperability in DeFi

One of the biggest bottlenecks in DeFi is liquidity fragmentation. Right now, assets on Ethereum, Arbitrum, Polygon, and Avalanche exist in isolated ecosystems, requiring bridges and manual transfers to move liquidity.

Chris explained that Curvance integrates multiple chains at the protocol level, allowing for cross-chain yield aggregation and lending. Instead of needing to bridge assets manually, users will be able to deploy capital across multiple ecosystems from one place.

This interoperability helps solve issues such as:

Reducing the need for multiple transactions across chains
Lowering slippage and gas costs when moving assets
Making DeFi more accessible to users outside of Ethereum’s ecosystem

As DeFi matures, interoperability will be critical for scaling liquidity and improving capital efficiency across chains.

How Curvance is making DeFi safer

Security is a major concern in DeFi, with rug pulls, smart contract exploits, and liquidation risks being constant threats. Curvance is tackling this by:

Conducting rigorous smart contract audits before launching new features.
Integrating real-time liquidation monitoring to protect users from unexpected market crashes.
Providing transparency with open-source risk assessment models, ensuring users can see exactly how their funds are managed.

Additionally, Curvance is exploring decentralized insurance integrations, where users can opt-in for protection against smart contract exploits.

The goal? A DeFi experience that is both powerful and secure.

The road ahead for DeFi unification

Chris shared his vision for where DeFi is headed:

A more seamless user experience – DeFi should be as easy to use as traditional banking apps, without requiring technical knowledge of gas fees, slippage, or bridging.
Multi-chain standardization – Users shouldn’t have to worry about what blockchain they’re interacting with; cross-chain DeFi should be as easy as swapping tokens on a DEX.
More composable financial tools – New protocols should be interoperable by design, allowing users to stack DeFi services together effortlessly.

With projects like Curvance focusing on integration rather than competition, we could see a more unified DeFi landscape in the near future.

Final thoughts

The next phase of DeFi isn’t just about higher yields or new protocols—it’s about efficiency, ease of use, and risk management.

Curvance is tackling some of the biggest pain points in DeFi, bringing together yield optimization, cross-chain lending, and collateralized borrowing in a single, user-friendly platform.

As web3 grows, DeFi needs to evolve beyond isolated platforms into a cohesive financial ecosystem. If you’re a DeFi user looking for a simpler, smarter way to manage assets, this episode provides valuable insights into the future of decentralized finance.