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Instadapp is the DeFi powerhouse behind Avocado, a smart wallet, and the 
Instadapp Lite and Pro platforms. The team is in the limelight once again because its latest DeFi protocol, Fluid, is gaining traction on Ethereum, Arbitrum, and Base.
Fluid is multidimensional and underpinned by a unified Liquidity Layer, which consolidates liquidity across the project’s main money legos.
It currently offers three fundamental protocol experiences:
- 🌊 Fluid Lending — A simple and efficient "Deposit and Earn" system for users to lend their assets and earn yield.
- 🔷 Fluid Vaults — For advanced borrowing with high Loan-to-Value (LTV) ratios and minimal liquidation penalties.
- 🔄 Fluid DEX — A decentralized exchange that turns debt and collateral into productive assets, enabling earning opportunities on both for liquidity providers.
Fluid has made headlines lately because:
- Its market size is now over $1 billion
- It proposed the $INST to $FLUID rebrand
- It launched the Fluid DEX on mainnet
But you don’t have to dive into the weeds of Fluid to get involved and put your money to work here. In fact, right now one of the simplest opportunities on Fluid is also one of the juiciest: stablecoin lending.
How to Get Started with Fluid Lending
At the time of writing, the highest yields on Fluid Lending were the USDC and 
Aave GHO opps, both of which are currently returning over 21% net APR.
Accordingly, we’ll focus on USDC and GHO below, but keep in mind that ETH, wstETH, and USDT are also supported. To begin, you would:
- 🪙 Ready your stablecoins — Acquire USDC or GHO on an exchange like
Uniswap in your preferred 
Ethereum wallet, e.g. 
Coinbase Wallet, MetaMask, Rabby, Rainbow, etc. - 👛 Connect your wallet — Go to Fluid's website, click the “Lend” option, and then click the “Connect Wallet” button to link your wallet.
- 🧪 Try a test run with Simulation Mode — Click the button in the top right of the Fluid frontend, then select “Simulation.” Use the “Top Up Balance” button in this menu to acquire some test USDC or GHO, then go back and try a test deposit on the Lending page.
- 🔃 Complete your deposit — When you’re ready to proceed, flick off “Simulation” and click on the USDC or GHO deposit option. Input the amount you want to deposit, then complete the approval and deposit transactions to finish up.
- 💸 Earning and closing your position — Now, sit back and let your stables earn, as Fluid optimizes lending yields via its Liquidity Layer, so you don’t need to manage your position actively. To access your funds later, return to the USDC or GHO deposit interface and select “Withdraw” to proceed. Here you can retrieve your deposit and any interest earned over time!
It's pretty simple, take Fluid for a spin!
