In the world of DeFi, many people face the same dilemma: funds are spread across different places, making it hard to gather enough when needed; or they simply lock assets in wallets, fearing liquidation while envying those high yields. Although DeFi champions capital efficiency, many processes remain cumbersome and risky in the end.

Falcon Finance is attempting to fundamentally solve this problem. Its ambition goes beyond being an ordinary lending protocol; it aims to build a more foundational layer—a universal on-chain collateral framework.

How does it work? You can pledge your assets—Bitcoin, Ethereum, small tokens, and even future on-chain stocks and bonds—to Falcon. These assets will generate a stablecoin called USDf for you. It may sound familiar, but here’s the key point: you retain full ownership of these collateral assets, and they provide you with instant liquidity. This directly breaks the dichotomy between "holding" and "using."

So why is it called "universal"? That’s the highlight. Most protocols are selective, accepting only a few "quality" collateral types. Falcon’s approach is more aggressive—it aims to create a unified collateral layer for all kinds of assets, whether pure crypto assets or future on-chain RWA (Real-World Assets).

This brings two changes. On one side is the user—your investment portfolio no longer needs to be fragmented to access liquidity. On the other side is the ecosystem—this opens the door for a more diverse range of assets to enter the DeFi space.