今天展開說說 Spark 項目三層結構系統

Spark 要做的不是“單一借貸”或者“擼收益”的那一套，它的定位是DeFi 世界裏的流動性底層設施，想把鏈上的錢和鏈下的資產真正打通，解決三大難題：流動性碎片化、收益不穩定、穩定幣長期躺平不動。

第一層是 Savings，也就是給普通用戶用的儲蓄產品，你可以理解爲鏈上的“活期理財”。比如你把 USDS 存進去，不用管錢是怎麼轉的、收益怎麼來的，每天都能拿到自動複利的收益。不需要頻繁操作，也不用付 gas，哪怕是 Web2 用戶也能一鍵參與鏈上理財。

第二層是 SparkLend，它是專門圍繞 USDS 和 DAI 打造的借貸市場，借鑑了 Aave 這些成熟模式，同時深度集成自己的儲蓄系統和底層流動性模塊。用戶不僅能質押資產借出穩定幣，還能靈活運用借來的錢去挖礦、套利等，整個過程流動性非常順暢。這一層其實是打通了“借”和“存”的橋梁。

第三層才是 Spark 真正的硬核：Liquidity Layer。這是機構級別的部署引擎，它會把儲蓄池裏閒置的 USDS 調動起來，自動部署到 Aave、Compound、Maverick 等主流協議，甚至能直接流轉到 CeFi 或 RWA，比如鏈上債券、真實資產抵押貸款等等。所有這些部署都是有治理機制限制的，既透明又安全。可以說，這一層就是 Spark 的發動機，是上面所有收益的來源。

整套系統運行起來，是一個完整的流動性閉環：

用戶存錢 → 資金被調度 → 產生收益 → 分發回用戶和質押者。

也正因爲有了 Savings → SparkLend → Liquidity Layer 這樣三位一體的結構，Spark 才不只是一個賺利息的平台，而是一個能在 DeFi 和現實世界之間高效搬運資金的“收益基礎設施”。

一句話總結：Spark 想幹的是把流動性“搬得動、用得上、賺得穩”，不只是玩金融邏輯，更是在重塑鏈上收益的底層框架。

$SPK 目前價格 0.044 美元，還在非常早期的階段。值得一提的是，項目方將 65% 的代幣留給社區，這在 DeFi 項目裏並不常見。

無論是治理還是激勵機制，Spark 更像是把用戶放在了生態中心，而不是單純的參與者。

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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.