The Good Tech Companies - Why Morpho’s $9B Network Is Powering Lending on Pharos’ RWA Blockchain

Episode Date: August 7, 2025

This story was originally published on HackerNoon at: https://hackernoon.com/why-morphos-$9b-network-is-powering-lending-on-pharos-rwa-blockchain. Pharos teams up with Morpho to launch native, modular lending infrastructure for real-world asset markets on-chain. Check more stories related to web3 at: https://hackernoon.com/c/web3. You can also check exclusive content about #web3, #blockchain, #defi, #cryptocurrency, #pharos, #morpho, #good-company, #rwa, and more. This story was written by: @ishanpandey. Learn more about this writer by checking @ishanpandey's about page, and for more stories, please visit hackernoon.com. Pharos teams up with Morpho to launch native, modular lending infrastructure for real-world asset markets on-chain.

This audio is presented by Hacker Noon, where anyone can learn anything about any technology. Why Morpho's $9 billion network is powering lending on Ferros RWA blockchain by Ashan Pondy. Can Defy lending systems support institutional grade credit markets? Ferros, a layer one blockchain focused on real-world asset finance, RWFE, are integrating Morphos lending infrastructure natively into its mainnet, marking a strategic step toward building credit rails for both institutional and decentralized participants in Defy a lending market. The collaboration is aimed at bringing modular, transparent lending systems torial world assets on chain. With Morpho's lending protocol currently securing over $9 billion in

deposits, the integration brings a familiar name in Defy into the RWA conversation. What this integration changes for real-world asset lending. Ferros is not the first layer one to focus on real-world assets, but the platform's emphasis on building modular systems with institutional compatibility gives this collaboration a different weight. The integration brings isolated risk lending and credit modeling directly into the Ferros Mainet architecture. Wish Wu, CTO and co-founder of Ferros, framed the collaboration as foundational. Greater than, for us, working together with Morpho is about building trust and greater than composability at the core of RWFE, Wu said. By integrating Morphos' lending greater than infrastructure directly into our mainnet, we're laying the foundation for a greater

than more transparent and capital efficient on chain credit ecosystem. The lending rails will support a wide range of use cases including tokenized treasuries, private credit, and yield strategies designed for both retail and institutional participants. How Morpho fits into the RW AFFE ecosystem. Morpho is currently one of the most widely trusted defy lending protocols, known for building capital-efficient lending systems with isolated risks and modular design. Their infrastructure is already used for various crypto-backed loans and custom-yield products. Kirk Hutchison, who leads new chain growth at Morpho, sees the collaboration ASA way to extend those lending frameworks into newer territories.

Greater than, deploying natively on Ferros allows us to keep extending Morpho's most greater than trusted lending infrastructure to the real-world asset space following initial greater-than-success like private credit and tokenized stocks, Hutchison said. Morpho's involvement also strengthens Ferros' broader RW-Afee strategy, which includes partners such as Ant, Digital and Gondlet, and focuses on formal verification, custody solutions, and risk calibration. Understanding RWFE and why lending needs to evolve, RWFE, short for real-world asset finance, refers to financial systems that bring real-world assets, such as credit, invoices, real estate, or tokenized equity onto public blockchains. These systems aim to improve transparency, automation, and capital

efficiency while reducing dependence on opaque intermediaries. However, integrating real-world assets into Defi requires more than tokenization. It also requires robust infrastructure for pricing, credit modeling, liquidity routing, and risk segregation. That is where Morphazil-Lending framework becomes relevant. By deploying on Ferros, Morpho's infrastructure can provide tools for acid originators to spin up lending markets with isolated risk exposure, composable underwriting models, and automated collateral management. It also allows institutional lenders to allocate capital using transparent, programmable logic rather than relying on opaque term sheets. Why this move matters for institutional and retail credit markets. One of the challenges in scaling real-world asset

markets on chain is the lack of infrastructure that satisfies both institutional and defy native requirements. This integration attempts to address both. Ferros upcoming vault products, powered by Morpho, are expected to include structured lending strategies and capital deployment frameworks. The architecture is designed to be composable, which means it can integrate with other tools and systems across the Ferros ecosystem. That modularity is critical for experimenting with new forms of yield structures and underwriting logic. Retail users will benefit from more accessible yield opportunities that are backed by real-world cash flows rather than purely crypto-native assets. On the other side, institutional participants get a sandbox for programmable credit with

auditability and composability. Infrastructure, not hype, will define the future of RWA. The launch of yet another RWA protocol is not newsrity in itself. What makes this collaboration worth watching is the infrastructure-first approach. Too many RWA projects have focused on tokenizing assets without rethinking the credit, compliance, or custody infrastructure that needs to support them. Morpho's decision to deploy natively on Ferros suggests that both teams area-lined on building from the bottom up. Credit markets need to be transparent, programmable, and modular, qualities that have often been missing from past RWA efforts. If the collaboration delivers, it could offer a test case for how on-chain lending should work when assets are tied to real-world

value. Don't forget to like and share the story. This author is a an independent contributor publishing via our business blogging program. Hacker Noon has reviewed the report for quality, but the claims here and belong to the author. Hashtag D.Y. Thank you for listening to this Hackernoon story, read by artificial intelligence. Visit hackernoon.com to read, write, learn and publish.