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# Morpho introduces fixed-rate credit on Base
- URL: https://www.cryptoincome.club/morpho-introduces-fixed-rate-credit-on-base/
- Published: 2026-10-02T18:15:19.000Z
- Updated: 2026-10-02T18:15:19.000Z
- Description: Midnight expands the protocol’s onchain lending offering.
- Author: Santosh Srinivas
- Tags: DeFi & lending, Edition 001

**Source: The Block · JUL 21, 2026 · REPORTED NEWS**

Morpho’s Midnight offering on Base adds credit with negotiated maturities and fixed rates. That is a different structure from the changing borrowing rates in Morpho Blue’s existing markets. It gives counterparties another way to agree on the cost and duration of a loan.

## The income angle

A fixed contractual rate is a term of a credit arrangement, not a guarantee of payment. Maturity, counterparty performance and the ability to exit before repayment all belong in the same conversation as the headline rate.

[Read the original source →](https://www.theblock.co/news/defi/2026-07-21-morpho-midnight-fixed-rate-lending-protocol-base-onchain-credit-markets-409062?ref=cryptoincome.club)

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*Original CryptoIncome.club summary, curated 2 October 2026\. This article describes the source at its stated date; it does not confirm current availability, rates or eligibility.*