Floating interest rates are like swimming in the market.

Water temperature, undercurrents, and direction all depend on your own feel; you can adjust your posture at any time, but you have to stay in the water.
Fixed interest rates are like building a bridge in advance.
First, set up the structure of the bridge, then decide whether to cross;
Once you step on it, external winds and changes no longer matter to you.

Many people think this is a contest between flexibility and conservatism, but on the chain, it’s essentially a question of how to allocate cognitive costs.
Choosing a floating rate means bearing all the judgment pressure yourself — monitoring liquidity, watching market sentiment, guessing interest rate turning points.
A slight lapse in attention can quietly increase your costs.

And @TermMaxFi does the opposite.
It doesn’t help you predict interest rates, nor does it have a “smarter” model; it simply compresses the ongoing concern of judgment into a single pricing decision.
Choosing a fixed rate on TermMax isn’t about betting on the direction, but about buying certainty for a certain period in the future.

This fundamentally changes the trading logic — from “chasing the market” to “whether it’s worth it or not.”

You don’t need to update your views daily, nor do you need to stay highly sensitive to macro changes; you just need to say “yes” or “no” to this contract at a certain point.
So, TermMax is more of a decision-making tool than just a interest rate product.

It packages time, volatility, and uncertainty into a contract that can be reviewed and compared.
The more chaotic the market, the more valuable this capability becomes.

After all, what is truly scarce is never predicting the future, but having a structure that allows you to make clear choices even in uncertainty.