Spark Finance (aka Spark Fi) is a DeFi platform built for anyone who wants to make crypto work smarter, not harder 🚀

It's modular, secure, and user-friendly—perfect for beginners and powered by the Sky ecosystem (formerly MakerDAO). It's mission is to:

• Offer ultra-liquid, low-fee lending markets

• Power USDS (formely DAI) adoption

• Make stablecoin yield simple and transparent

All of Spark’s operations are fully onchain, promoting transparency, decentralization, and strong alignment with its community. Add in multi-chain support, audits, and a $5M bug bounty, Spark Finance not only builds trust—thanks to visible and verifiable capital flows—but also supports rapid, scalable growth across the ecosystem. It's core products & solutions are:

• Savings → Deposit USDS → get sUSDS → earn the Sky Savings Rate (SSR). Essentially this means by depositing into the sUSDS vault, you autocompound interest (currently at 4.5%). Simple and hassle-free!

• SparkLend → Supply/borrow assets (cbBTC, ETH, USDS, etc.) with adaptive interest rates

• Spark Liquidity Layer (SLL) → Spark injects capital across DeFi to boost yields

The Spark Liquidity Layer (SLL) is the behind-the-scenes powerhouse that keeps Spark’s stablecoins—USDS and sUSDS—flowing smoothly across chains and protocols, always chasing the best yields, lowest friction, and most efficient markets.

SLL uses Circle’s Cross-Chain Transfer Protocol (CCTP) to move native USDC between chains in a trust-minimized way — no wrapped tokens, no funky bridges.

• Converts USDC ⇄ USDS or sUSDS instantly when needed

• Bridges native USDC across L1s & L2s (Base, Optimism, Arbitrum, Polygon, Solana)

• Helps users deposit and withdraw across chains without slow or risky bridges

It’s like having a smart liquidity AI that routes your capital where it’ll do the most good — all from one clean interface.

Once funds are bridged via CCTP, SLL deploys them into DeFi strategies — but not just anywhere. Everything goes through Sky Governance, which approves and limits where Spark’s capital can flow.

This means:

• No random protocols

• No unmanaged risk

• Fully transparent allocations

SLL integrates with top-tier DeFi protocols to generate yield while supporting deep liquidity for users. Here are the current integrations:

• SLL supplies USDS to the Aave Lido lending market

• Aave users can borrow USDS against collateral like stETH

• Spark earns interest from these loans

• Sky Governance controls the cap and risk parameters

• SLL supplies DAI to multiple Morpho markets

• These are isolated vaults that accept Ethena’s USDe and sUSDe as collateral

• Spark earns yield when users borrow DAI

• Each market has its own risk profile for fine-tuned control

• 🔄 Instant stablecoin swaps: Converts USDC → USDS or sUSDS on demand

• 🌉 Cross-chain: Works across Ethereum, Solana, Base, Polygon, Arbitrum, Optimism

• Auto-yield optimizer: Routes liquidity to protocols with the best returns

• Fast bridging: Quicker and smoother than traditional bridges

• 🔐 Governance secured: Managed by Sky governance, funds only go where approved

SLL makes sure that Spark’s liquidity is always in the right place, on the right chain, earning the best yield.

Spark lets you earn, borrow, and swap — all from one place.

• Deposit DAI or USDC to earn interest

• Yield comes from Maker’s DSR or Ethena’s delta-neutral strategy

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• Supply ETH, wstETH, or cbBTC, USDC, etc.. as collateral

• Borrow assets up to 80.00% LTV (Loan to Value)

Once the $SPK token launches, it won’t just be about yield — it’ll also come with governance power.

• $SPK holders will help decide how Spark evolves over time

• Things like protocol fees, new asset listings, yield strategies, and even future incentives could be governed by the community

• Governance happens through on-chain proposals and voting mechanisms, giving real voice to active users

This aligns with Spark’s core values: decentralized, transparent, and community-driven finance.

Here’s why Spark is quickly gaining traction in the DeFi scene:

• Real yield — no inflationary farm games

• Simple UI, optimized for users

• $3B+ TVL and growing

• Cross-chain liquidity via the SLL

• SNAPS airdrop farming powered via Cookie.fun in full swing

• Clean smart contracts (forked from Aave v3) and

It’s not just another DeFi toy — it’s infrastructure, quietly powering a lot more than it seems.

If you love free tokens, Spark’s SNAPS Campaign is your moment.

• 🚀 Head to: app.spark.fi/points/RT5K0B

• 🔑 Use Fenrir’s code: RT5K0B

• 💰 Deposit USDC into the Savings section

  • Earn up to 4.5% APY

  • Bonus points if you deposit on Optimism & Unichain networks

• Extra points:

  • Buy $USDS YT or

  • LP it on Pendle Finance

• 🐺 Invite your pack & earn 10% of their points!

Earn SNAPS by creating and sharing quality content about Spark — It helps Spark grow its community, supports Cookie in rewarding real contributors, and boosts your chances at a juicy $SPK airdrop. Win-win-win. 💥

• 👉 Visit: cookie.fun/tokens/spark

• Share real value — not fluff:

  • 🧵 Threads, 📹 tutorials, ✍ blog posts

  • Infographics, 💬 community convos

  • 🧠 Teach others & 🐺 invite your pack

  High-signal = more SNAPS. Spark is watching 👀

• Follow and engage with Fenrir !

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Spark is building the infrastructure that most DeFi users don’t even realize they need. It combines yield, liquidity, and usability — while giving users early access through SNAPS and airdrop farming.

Whether you’re a DeFi rookie or a DAI veteran, this is your chance to get in early on something with real utility.

“DeFi Simplified. Savings Maximized.”

Disclaimer: This article is for informational purposes only. It is not intended to be investment advice. The crypto market is highly volatile, and investing in crypto projects can be risky. Always do your own research and consult with a financial advisor before making any investment decisions.

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