Kamino Products Overview - Kamino is introducing several new products aimed at expanding its DeFi capabilities on Solana [1] - The announcements are significant for both Kamino and Solana, particularly for institutional use cases [1] Fixed Rate Borrowing - Fixed Rate allows users to borrow USDC at a rate that remains constant for a specified period, such as 1 to 3 months, offering predictable cost of capital [2] - When the fixed term ends, the loan can either roll into a new fixed rate or revert to the normal floating USDC rate [2] Borrow Intents - Borrow Intents enable borrowers to specify their desired borrowing terms, including collateral, amount, rate, and duration, allowing lenders to choose whether to fulfill the request [3][4] - This facilitates a more direct negotiation between borrowers and lenders, moving away from formula-driven rates [4] Institutional DeFi Access - Kamino is developing a solution for institutions to use custodied assets like BTC for on-chain borrowing, unlocking DeFi access without altering their storage methods [5] - This aims to bring hundreds of billions of dollars of institutional capital into the DeFi space [6] Private Credit Vaults - Private Credit allows DeFi users to lend USDC to borrowers using off-chain collateral, primarily BTC, with projected yields of 6-7% APY [7] - This provides DeFi users with access to institutional lending yields typically outside of DeFi [7] RWA DEX - The RWA DEX will use oracles to maintain tight liquidity around the real-world price of RWA tokens, ensuring better pricing and trading experience [9][10] - It aims to provide liquidity close to fair value for assets like gold or other RWAs on Solana [10] Kamino Buildkit - Buildkit allows apps, wallets, and fintechs to integrate Kamino's yield and borrowing infrastructure directly into their products via APIs and SDKs [10] - This enables users to earn yield or borrow without leaving their preferred app, expanding Kamino's reach across Solana [11]