Twyne at $0TVL Hour (Winner): Programmable Credit on Top of Existing Lending Markets

Thu, Apr 2, 2026, 12:00 AM

Twyne won the $0TVL Hour competition at Stable Summit IV in Cannes. In this session, Taulant from Twyne presents a protocol for programmable credit built on top of existing lending markets. The idea is to turn idle borrowing capacity into a new primitive by routing credit from underutilized positions to users looking for more leverage or more capital efficiency. The pitch covers Twyne’s credit vault model, liquidation design, creditor and borrower risk separation, offensive and defensive use cases, and the protocol’s longer-term vision as an aggregation layer across lending markets.