Today let's talk about the three-tier architecture of the Spark project.

What Spark aims to do is not just "single lending" or "harvesting yields"; its positioning is as the underlying liquidity infrastructure in the DeFi world, intending to truly connect on-chain money with off-chain assets, addressing three major challenges: fragmented liquidity, unstable yields, and stablecoins lying flat for long periods.

The first layer is Savings, which is a savings product for ordinary users. You can understand it as "current wealth management" on the chain. For example, if you deposit USDS, you don't have to worry about how the money is transferred or how the returns are generated; you can receive automated compound interest every day. No need for frequent operations, and you don't have to pay gas fees. Even Web2 users can participate in on-chain wealth management with a single click.

The second layer is SparkLend, which is a lending market specifically built around USDS and DAI, drawing on mature models like Aave while deeply integrating its own savings system and underlying liquidity module. Users can not only pledge assets to borrow stablecoins but also flexibly use the borrowed money for activities such as mining and arbitrage, making the entire process very fluid. This layer essentially bridges "borrowing" and "saving."

The third layer is where Spark truly becomes hardcore: the Liquidity Layer. This is an institutional-level deployment engine that mobilizes idle USDS in the savings pool, automatically deploying it to mainstream protocols such as Aave, Compound, and Maverick, and even allowing direct flow to CeFi or RWA, such as on-chain bonds, real asset collateral loans, and so on. All these deployments are governed by mechanisms that ensure transparency and security. It can be said that this layer is the engine of Spark and the source of all the yields above.

The entire system operates as a complete liquidity closed loop:

User deposits money → Funds are allocated → Earnings are generated → Distributed back to users and stakers.

It is precisely because of the three-in-one structure of Savings → SparkLend → Liquidity Layer that Spark is not just a platform for earning interest, but a "yield infrastructure" that can efficiently transfer funds between DeFi and the real world.

In summary: Spark aims to make liquidity "movable, usable, and stable in earnings," not just playing with financial logic, but also reshaping the underlying framework of on-chain yields.

$SPK current price is 0.044 USD, still in a very early stage. It is worth mentioning that the project team has allocated 65% of the tokens to the community, which is not common in DeFi projects.

Whether in governance or incentive mechanisms, Spark is more like placing users at the center of the ecosystem, rather than merely as participants.

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Today, let's talk about the three-layer structure system of the Spark project.

Spark is not about "single lending" or "earning income". It is positioned as the underlying liquidity infrastructure in the DeFi world. It wants to truly connect the money on the chain with the assets off the chain and solve three major problems: liquidity fragmentation, unstable income, and long-term stablecoins.

The first layer is Savings, which is a savings product for ordinary users. You can think of it as "current financial management" on the chain. For example, if you deposit USDS, you don't need to worry about how the money is transferred or how the income comes. You can get automatic compound interest every day. There is no need for frequent operations or gas. Even Web2 users can participate in on-chain financial management with one click.

The second layer is SparkLend, which is a lending market specially built around USDS and DAI. It draws on mature models such as Aave and deeply integrates its own savings system and underlying liquidity module. Users can not only pledge assets to borrow stablecoins, but also flexibly use borrowed money for mining, arbitrage, etc. The liquidity of the whole process is very smooth. This layer actually opens up a bridge between "borrowing" and "saving".

The third layer is the real core of Spark: Liquidity Layer. This is an institutional-level deployment engine that mobilizes idle USDS in the savings pool and automatically deploys it to mainstream protocols such as Aave, Compound, Maverick, and can even flow directly to CeFi or RWA, such as on-chain bonds, real asset mortgages, etc. All these deployments are restricted by the governance mechanism, which is both transparent and secure. It can be said that this layer is the engine of Spark and the source of all the above benefits.

The whole system is a complete closed loop of liquidity:
Users deposit money → Funds are dispatched → Profits are generated → Distributed back to users and stakers.
It is precisely because of the trinity structure of Savings → SparkLend → Liquidity Layer that Spark is not just a platform for earning interest, but a "profit infrastructure" that can efficiently move funds between DeFi and the real world.

In a word: Spark wants to make liquidity "mobile, usable, and stable", not just playing with financial logic, but also reshaping the underlying framework of on-chain income.

Whether it is governance or incentive mechanism, Spark is more like putting users at the center of the ecosystem, rather than just participants.