The last few weeks at @EFDevcon were very productive. Some takeaways and roadmap updates: ➡️ Mate is great. 🧉 ➡️ DeFi ratings are in full swing starting with @CredoraNetwork. Big brands like @SPGlobalRatings will be essential to getting TradFi comfortable with DeFi. ➡️ Spark is doubling down on its strength as the largest institutionally-focused onchain lending protocol. As such, Spark Mobile will be paused in lieu of supporting Spark Earn products inside existing fintechs/neobanks. ➡️ Spark Savings and SparkLend are to be enhanced in Q1 2026 with Just-in-Time liquidity, allowing users to request billions from the PSM as they need it. This will be the most liquid venue for borrowing USDC across DeFi. ➡️ Institutions are here, and Spark will maintain its goal of creating the best-in-class, institutional-grade DeFi. (announcement coming in the new year)