88MPH is a protocol that allows users to lend their crypto assets like yUSD, Aave USDC, and other yield-bearing assets. 88MPH uses a linear model for determining the fixed interest rate offered to depositors. 88mph keeps track of the Exponential Moving Average (EMA) of the underlying yield protocol's APY over roughly a monthly window, and offers 75% of the EMA as the fixed rate.

The users can purchase floating-rate bonds via the protocol to finance and to also secure the debt of the coin. The idea here is to bring more finances in the Defi space by integrating other ways to earn yield.