All the latest news and key insights you need from Fluid
What Is InstaDApp?
1. What Is InstaDApp?
InstaDApp is a middleware protocol and unified DeFi platform built primarily on the Ethereum network. It provides a “Smart Account” or “Smart Wallet” layer that enables users and developers to aggregate, manage, and optimize positions across multiple DeFi protocols through a single interface. :contentReference[oaicite:1]{index=1}
2. Why InstaDApp Was Created
The DeFi ecosystem consists of many protocols (lending, borrowing, swaps, liquidity provision) and often requires users to manage multiple contracts, disparate interfaces, and manual optimizations. InstaDApp was created to overcome these limitations by:
Aggregating multiple DeFi protocols into one smart-account interface, simplifying user experience. :contentReference[oaicite:2]{index=2}
Providing automation and strategy execution (for example refinancing, leverage, position migration) across protocols. :contentReference[oaicite:3]{index=3}
Enabling developers to build on top of its infrastructure (Smart Accounts, programmable modules) to deliver new DeFi use-cases. :contentReference[oaicite:4]{index=4}
3. How InstaDApp Works
A user connects to their Smart Account (a contract wallet provided by InstaDApp) which serves as the core interface. :contentReference[oaicite:5]{index=5}
The Smart Account can execute modules/extensions (e.g., flash-loan module, refinance module) that interact with underlying DeFi protocols such as MakerDAO, Aave, Compound. :contentReference[oaicite:9]{index=9}
Users can perform complex strategies via one interface: for example move collateral from one protocol to another, swap assets, borrow/lend, increase leverage, using fewer steps. :contentReference[oaicite:10]{index=10}
Developers can build extensions (modules) on top of the Smart Account layer, enabling new use-cases such as automation, multi-chain support, account abstraction. :contentReference[oaicite:11]{index=11}
The native governance token (originally $INST, now rebranded to FLUID) empowers community participation in protocol upgrades and extension selection. :contentReference[oaicite:13]{index=13}
4. Key Features of InstaDApp
Smart Account wallet abstraction: a contract-wallet per user that supports modules and upgradeable logic. :contentReference[oaicite:14]{index=14}
Multi-protocol aggregation: supports lending/borrowing, swaps, vault migrations, leverage across major DeFi protocols. :contentReference[oaicite:15]{index=15}
Developer-friendly modules: open SDK, extensibility via the “DSL” layer (DeFi Smart Layer) for adding new modules. :contentReference[oaicite:16]{index=16}
Non-custodial model: Users retain control of assets — InstaDApp acts as a smart-contract layer, not custody provider. :contentReference[oaicite:17]{index=17}
Governance and community control: With token governance enabling selection of modules and upgrades. :contentReference[oaicite:18]{index=18}
Cross-chain and account abstraction features (in progress): for example their “Avocado Smart Wallet” initiative. :contentReference[oaicite:19]{index=19}
5. Who Can Use InstaDApp?
Crypto users who are active in DeFi and want to manage positions across protocols in one interface.
DeFi power users who want to optimize yields, migrate collateral, manage leverage or use flash-loan strategies.
Developers and projects who want to build modules/extensions on top of the InstaDApp infrastructure.
Token holders and community participants who wish to vote on governance proposals and influence the direction of the protocol.
6. What Is the $INST / $FLUID Token?
The governance token originally named $INST (now rebranded to $FLUID) serves multiple roles in the InstaDApp ecosystem. :contentReference[oaicite:20]{index=20}
Governance: Token holders vote on protocol parameters, module deployment, upgrade logic, and community funds. :contentReference[oaicite:21]{index=21}
Utility: While governance is primary, the token may also be used for reward distribution, module access and incentivising users (specific models evolving). :contentReference[oaicite:22]{index=22}
Supply & Allocation: The token was initially minted with a maximum supply of 100 million INST. Circulating supply and usage have evolved under the rebrand. :contentReference[oaicite:23]{index=23}
Social Pulse
Bearish50%
Bullish50%
Sasggn_Therapy@sasggn_therapy
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Modern Era Startups 🥶😱
0xsagar.base.eth. .ink (💙,🧡)@sagar_ujjanwal
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Fluid is a next gen lending and DEX stack built by Instadapp, now powering high leverage markets and new DEX designs on @arbitrum with active ARB incentives and live products.
@0xfluid is building a new lending and trading layer for Arbitrum, focused on high capital efficiency, custom markets and better liquidations, now plugged into Arbitrum’s DRIP incentive program for lenders and borrowers.
Under DRIP’s current epoch, Fluid is receiving ARB incentives for borrowing USDC from the syrupUSDC markets on Arbitrum, so active users can stack protocol yield plus ARB rewards on their positions.
Fluid’s Plasma credit accounts are live, letting users borrow against blue chip collateral through a unified margin engine, designed to support higher LTVs and cross margin strategies across leveraged ETH and stablecoin loops.
On the DEX side, the team has already shipped Fluid DEX Lite and recently previewed Fluid DEX v2 at Devcon, hinting at order types and market structures that were not possible in earlier DeFi designs.
Fluid DEX v2 is positioned as a venue where money markets and trading meet, aiming to route liquidity from lending pools into spot and derivative flows so collateral, leverage and trading all share the same base layer.
Governance is active, with recent proposals adjusting vault parameters for collateral like sUSDE and wstUSR, temporarily pausing some limits and directing incentive budgets to where usage and risk justify deeper liquidity.
Research groups highlight Fluid as part of a broader surge in crypto collateral lending in Q3 and Q4 2025, with Arbitrum lending TVL and loan volumes climbing even while headline chain TVS dipped month over month.
For the next month, the key Fluid catalysts are DRIP incentives on Arbitrum, rollout details of Fluid DEX v2 after the Devcon preview, and ongoing governance tweaks that refine risk and rewards across its lending vaults.
DMH 🦇🔊🌊@DeFi_Made_Here
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This is how it works
One-click migration of the whole collateral and debt position from Kamino to @jup_lend for better rates
kaymas0410@kaymas0410
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$1.2M ETH & 500K DAI transferred in a single day through Decentralised bridge on InstaDApp.
sowmay123@sowmay123
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InstaDApp: Super Simplified CDP Portal.
kaymas0410@kaymas0410
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$1.2M ETH & 500K DAI transferred in a single day through Decentralised bridge on InstaDApp.
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OCT Timeline - Fluid
December 20, 2018
InstaDApp launched as a smart wallet and middleware protocol simplifying DeFi management across lending and liquidity platforms.
Platform Launch
July 13, 2021
Introduced the INST token to enable decentralized governance and incentivize ecosystem participation via the InstaDApp DAO.
Token Launch (INST)
October 5, 2022
Expanded to support Polygon and Arbitrum, improving accessibility and cross-chain transaction efficiency.
Multi-Chain Expansion
May 21, 2025
Released Smart Wallet v3 with automated debt optimization, cross-chain transfers, and AI-assisted portfolio tools.