Most of DeFi's lending infrastructure lives on Ethereum. The stablecoins it produces are overwhelmingly pegged to the U.S. dollar. And while that setup has served early adopters well, it leaves two enormous gaps in the market: blockchains that lack native stablecoin infrastructure entirely, and the hundreds of millions of people around the world whose economies run on euros, not dollars. Mosaic Protocol exists to close both gaps at once.What is Mosaic?Mosaic is a decentralized borrowing proto...

Most of DeFi's lending infrastructure lives on Ethereum. The stablecoins it produces are overwhelmingly pegged to the U.S. dollar. And while that setup has served early adopters well, it leaves two enormous gaps in the market: blockchains that lack native stablecoin infrastructure entirely, and the hundreds of millions of people around the world whose economies run on euros, not dollars. Mosaic Protocol exists to close both gaps at once.What is Mosaic?Mosaic is a decentralized borrowing proto...

The blockchain landscape is evolving rapidly. While Ethereum remains the dominant force in DeFi, a new generation of Layer 1 blockchains is emerging—chains like Reef, Monad, Celo, and others that offer unique value propositions but lack the mature DeFi infrastructure that users have come to expect. For these emerging ecosystems, the question isn't whether they need lending protocols—it's which ones should deploy first.

The blockchain landscape is evolving rapidly. While Ethereum remains the dominant force in DeFi, a new generation of Layer 1 blockchains is emerging—chains like Reef, Monad, Celo, and others that offer unique value propositions but lack the mature DeFi infrastructure that users have come to expect. For these emerging ecosystems, the question isn't whether they need lending protocols—it's which ones should deploy first.

In our introductory post, we explained what Mosaic Protocol is and why we're building it. Now it's time to get practical. This post walks through exactly how borrowing works on Mosaic — from depositing your first REEF to managing an open position — so that when testnet goes live, you'll be ready to jump in with confidence. If you've never used a lending protocol before, don't worry. We'll explain everything from the ground up.

In our introductory post, we explained what Mosaic Protocol is and why we're building it. Now it's time to get practical. This post walks through exactly how borrowing works on Mosaic — from depositing your first REEF to managing an open position — so that when testnet goes live, you'll be ready to jump in with confidence. If you've never used a lending protocol before, don't worry. We'll explain everything from the ground up.