TermMax is a decentralized lending and borrowing platform where users lock in fixed interest rates for a fixed term. Unlike variable-rate protocols, TermMax guarantees what lenders earn and what borrowers pay upfront. Curators run vaults on the platform, where regular users can deposit funds and earn yield passively. Curators manage these vaults — setting rates and allocating funds across markets — while idle deposits are automatically put to work in other established lending platforms to maximize returns. The protocol is deployed across multiple blockchains including Ethereum, Arbitrum, BNB Chain, Berachain, BSquared, X Layer, and Pharos. TermMax has attracted institutional curators including MEV Capital, Keyrock, AlphaPing, Edge Capital, Origami Crypto, Hardcore Labs, and Clearstar Labs.