Timeswap
TIME
(Inactive)Oracle-free fixed-term decentralized lending protocol
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This content is generated by RD AI and is for reference only
Timeswap is a decentralized lending protocol on Ethereum that uses an oracle-free AMM mechanism. It allows users to permissionlessly create fixed-term lending markets for any ERC-20 token pair. Users can take on three roles: lenders deposit assets to earn fixed interest, borrowers collateralize assets to borrow tokens and pay interest, and liquidity providers supply both assets and interest to earn transaction fees. Its core mechanism is the Duration-Weighted Constant Sum Product Market Maker (DW-CSPMM), which automatically discovers interest rates through constant sum and constant product formulas, and uses collateral ratios to ensure loan safety. All operations are executed via smart contracts, and assets are self-custodied by users.
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About Timeswap
Timeswap is a decentralized money market protocol built on an Automated Market Maker (AMM) model. It allows users to lend, borrow, and provide liquidity for any ERC-20 token without relying on price oracles. The protocol operates on multiple chains including Arbitrum, Mantle, Polygon PoS, Polygon zkEVM, and Base.
Its core innovation is an oracleless, fixed-term, and non-liquidatable design. Interest rates are determined by market participants through the AMM’s constant product formula, eliminating the need for external price feeds. This reduces risks like oracle manipulation and forced liquidations, making borrowing safer for users. Lenders earn fixed yields, while borrowers can access funds without collateral price monitoring. Liquidity providers facilitate these markets and earn fees.
Timeswap addresses key pain points in traditional DeFi lending: high dependency on oracles, liquidation risks, and limited asset support. By removing oracles and enabling permissionless pool creation, it opens lending markets to long-tail assets and reduces systemic risks.
In the past six months (March to September 2026), Timeswap has expanded its deployment to additional blockchain networks, increasing accessibility. The protocol has also refined its AMM parameters to improve capital efficiency and user experience. No major negative incidents were reported during this period, though the broader DeFi market faced volatility. Overall, Timeswap continues to grow as a niche solution for oracle-free, fixed-term lending.
Timeswap's core team includes three co-founders:
Ricsson Ngo (Founder & CEO): Previously founded Einstar, holds a Master's in Applied Financial Mathematics from Ateneo de Manila University, and leads the development of an AMM-based oracle-less money market protocol.
Harshita Singh (Co-Founder): Graduate of IIM-Mumbai and Aligarh Muslim University (Mechanical Engineering), formerly a supply chain management manager at Walmart India and supply planning manager at ITC.
Ameeth Devadas (Co-Founder): With over 18 years of experience, he previously served as Product & Engineering Lead at Aurigin and corporate banker at Yes Bank, now co-driving the Timeswap protocol.