今天展开说说 Spark 项目三层结构系统

Spark 要做的不是“单一借贷”或者“撸收益”的那一套，它的定位是DeFi 世界里的流动性底层设施，想把链上的钱和链下的资产真正打通，解决三大难题：流动性碎片化、收益不稳定、稳定币长期躺平不动。

第一层是 Savings，也就是给普通用户用的储蓄产品，你可以理解为链上的“活期理财”。比如你把 USDS 存进去，不用管钱是怎么转的、收益怎么来的，每天都能拿到自动复利的收益。不需要频繁操作，也不用付 gas，哪怕是 Web2 用户也能一键参与链上理财。

第二层是 SparkLend，它是专门围绕 USDS 和 DAI 打造的借贷市场，借鉴了 Aave 这些成熟模式，同时深度集成自己的储蓄系统和底层流动性模块。用户不仅能质押资产借出稳定币，还能灵活运用借来的钱去挖矿、套利等，整个过程流动性非常顺畅。这一层其实是打通了“借”和“存”的桥梁。

第三层才是 Spark 真正的硬核：Liquidity Layer。这是机构级别的部署引擎，它会把储蓄池里闲置的 USDS 调动起来，自动部署到 Aave、Compound、Maverick 等主流协议，甚至能直接流转到 CeFi 或 RWA，比如链上债券、真实资产抵押贷款等等。所有这些部署都是有治理机制限制的，既透明又安全。可以说，这一层就是 Spark 的发动机，是上面所有收益的来源。

整套系统运行起来，是一个完整的流动性闭环：

用户存钱 → 资金被调度 → 产生收益 → 分发回用户和质押者。

也正因为有了 Savings → SparkLend → Liquidity Layer 这样三位一体的结构，Spark 才不只是一个赚利息的平台，而是一个能在 DeFi 和现实世界之间高效搬运资金的“收益基础设施”。

一句话总结：Spark 想干的是把流动性“搬得动、用得上、赚得稳”，不只是玩金融逻辑，更是在重塑链上收益的底层框架。

$SPK 目前价格 0.044 美元，还在非常早期的阶段。值得一提的是，项目方将 65% 的代币留给社区，这在 DeFi 项目里并不常见。

无论是治理还是激励机制，Spark 更像是把用户放在了生态中心，而不是单纯的参与者。

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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.