Morpho has made $0 in protocol revenue. Ever. ~$22M paid by borrowers in the last 30 days. Morpho kept none of it. It could take up to 25% of interest but chooses not to. Why? Fees could mean lower yields for users and less competitive returns for curators. The bet: grow first, monetize later. But when incentives fade, can Morpho keep its yield advantage, stay competitive for deposits, and turn that growth into value for tokenholders?
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