Verdict: WATCHThis piece is part of CryptoAZ Round 2, where I move beyond protocol introductions and focus on whether a design actually makes sense to use today. Term Finance is a strong fixed-rate lending design operating in weak market conditions — and that distinction matters.Why Term, and why now? Most DeFi lending operates on floating interest rates. When utilization rises, rates spike. When demand fades, they collapse. This model is capital-efficient — but it makes future borrowing cost...