#OM In today's increasingly competitive landscape of Decentralized Finance (DeFi) lending, Morpho Labs has adopted a unique and efficient approach to enhance user experience. They did not choose to build a completely new protocol from scratch, but rather cleverly improved the existing DeFi ecosystem through an innovative strategy known as "non-intrusive optimization."

This approach makes Morpho an interest rate optimizer, rather than a traditional lending protocol. Its design philosophy is to provide users with a better yield experience while minimizing changes and maintaining their familiar operating habits.
So, what is non-intrusive optimization? Essentially, Morpho acts as an intermediate layer above mainstream lending protocols like Aave and Compound. This optimization layer includes core functions such as a peer-to-peer (P2P) matching engine, an automatic fallback system, and an interest rate adjustment module.
This design brings several key advantages:
1. Morpho did not create a new lending market but optimized interest rates based on the existing market.
2. Users can continue to use the asset pools, oracles, and collateral ratios of Aave or Compound without having to adapt to a completely new mechanism.
3. All user operations, asset authorizations, and risk guarantees still rely on the original protocol.
From the user's perspective, they are simply obtaining more competitive interest rates while using the existing protocol, and there is almost no difference in the overall experience.
The compatibility of Morpho is mainly reflected in the following aspects:
1. Technical Compatibility: Morpho reuses the oracles, interest rate parameters, loan-to-value ratio (LTV), and liquidation mechanisms of Aave and Compound, ensuring consistency with the security and stability of major protocols.
This non-invasive approach not only brings tangible benefits to users but also provides a new idea for the development of the Decentralized Finance ecosystem. By optimizing rather than reconstructing, Morpho demonstrates how to drive innovation and efficiency improvements in the DeFi space without disrupting existing infrastructure.