ProgrammableMarketing/morpho.org (opens in a new tab)
PDF

Views

  • Plan
  • Roadmap
  • Research

On this page

  • The brief
  • Start here
  • Idea portfolio
  • Effort vs impact
  • This week · 6
  • This quarter · 11
  • Big bets · 3
  • How we can help
Generated Oct 23, 2026
  1. Programmable
  2. Playbooks
  3. Morpho
Morpho logo

growth playbook · Oct 23, 2026

morpho.org (opens in a new tab)

Morpho growth playbook

Diagnosis

Morpho is scaling fast: $16B+ in deposits, $11B+ in curated vaults, Coinbase and Robinhood running products on it, 80+ contributors and a new Head of GTM.

Its hiring shows the next phase: a Senior Fintech BD for new fintech accounts, Account Growth inside flagship partners, RevOps for a GTM motion that "has grown faster than the operations behind it", a New Credit PM for markets beyond crypto, and a US Policy Lead.

The gaps are on the path to the sales team: "coming soon" APIs with no sign-up, homepage totals missing from the HTML and a slow homepage for real visitors, a typo in every job post, and stories without integration timelines. This playbook captures fintech demand first, then builds tools for BD, account growth, new credit markets and policy trust.

Growth Score

8/10

Biggest Opportunity

Turn the fintech demand Morpho already attracts into a measured pipeline, and grow the flagship accounts it already has.

Biggest Risk

Aave, Euler, Maple, Spark and Kamino compete for the same fintech and institutional integrations, and US rules for onchain lending are still being written.

01

Start here

The three moves to make first. Each one is written up in full below.

  1. 1

    Turn "Earn API (coming soon)" and "Borrow API (coming soon)" into an early-access list for the fintech pipeline

    Add a one-question form ("Earn, borrow or both?") behind both menu items.

    High impact First result in 2 weeks
  2. 2

    Show the deposit and loan totals in the page itself, and get the homepage under 2.5 seconds

    Server-render the two totals.

    High impact First result in 1 month
  3. 3

    Fix "over billion in deposits" in all 11 job posts, and read the figure from one source

    Edit the Ashby template.

    Medium impact First result in 1 day

02

Your idea portfolio

20 ideas, grouped by when to run them. Open any idea for how to run it: the steps, who to approach, copy you can use, and how to measure it.

  • 7 ideas are marked Unexpected: plays you are unlikely to have tried.

    1 of these are things Programmable can build and run for you.

Every idea placed by the effort it takes against the impact it could have. Quick wins sit top left; select a number to open that idea. The filters below narrow the list by status, timing, category and what Programmable can build.

Effort vs impactEach number is an idea. Select one to open it.
Impact →
Quick wins · 3Big bets · 10Fill-ins · 2Reconsider · 5
Effort →

Showing 20 of 20 ideas

This week 6

Quick wins with a clear first action.

  • 01

    Morpho hired a Senior Fintech BD to find neobanks, fintechs and exchanges that want to offer earn and borrow to their own users. The site menu shows exactly that audience "Earn API (coming soon)" and "Borrow API (coming soon)", but both links go straight to developer guides, with no way to sign up, register interest or reach the team. A product lead who clicks is curious about the exact product BD sells, and leaves without being recorded.

    High impactLow effort First result in 2 weeks Senior Fintech BD

    First action

    Add a one-question form ("Earn, borrow or both?") behind both menu items.

    How to measure it

    Qualified fintech signups

    Now
    –
    Target
    40 a quarter
    By
    90 days

    Steps

    1. 1

      Write the page

      What each API does and what works today.

      Product Marketing Lead 2 days

    2. 2

      Build the form

      Company, users, region, product, timeline.

      Web Lead 1 day

    3. 3

      Route to CRM

      Tag as fintech early access; assign to BD.

      Revenue Operations Manager 1 day

    4. 4

      Auto reply

      Call link and the matching customer story.

      Senior Fintech BD 1 day

    5. 5

      Repoint menu

      Both "coming soon" items to the page.

      Web Lead 1 hour

    6. 6

      Review weekly

      Qualify and book calls.

      Senior Fintech BD weekly

    7. 7

      Share demand

      Signups by product with the protocol PM.

      Product Manager (Protocol) monthly

    First result
    2 weeks
    Cost
    Staff time only
    Owner
    Senior Fintech BD

    Smallest test

    Add the form to the Earn API item only and count signups for two weeks.

    Why it works

    Point both menu items to a short early-access page: what the API will do, what teams can build today on Blue and Midnight, and a form (company, user base, region, earn or borrow, timeline). Send each signup to the CRM as a fintech lead, routed to the Senior Fintech BD, with a reply that offers a call and the most relevant customer story (Coinbase, Robinhood, Kraken, Privy). Keep the docs link on the page for developers.

    These are the warmest fintech leads Morpho gets: people looking for the product before it ships. Capturing them builds the "repeatable pipeline of new-logo distribution deals" the role is measured on, and tells product which API to finish first.

    Ready to use

    ChecklistEarly-access page

    [ ] One-line description of each API
    [ ] What teams can build today on Blue and Midnight
    [ ] Form: company, users, region, earn/borrow, timeline
    [ ] CRM tag and routing to Senior Fintech BD
    [ ] Auto reply with call link and customer story
    [ ] Docs link for developers
    [ ] Weekly review

    Risks and how to handle them

    • Developers want docs, not a form

      Keep the docs link at the top of the page.

    • Launch date pressure

      Promise updates, not a date.

    Evidence

    • Your websiteSite menu, "Integrate" column: "Earn API (coming soon)" and "Borrow API (coming soon)" link straight to developer get-started guides on docs.morpho.org, with no sign-up, early-access list or contact option. The contact page offers three paths: "General support", "Business Solutions" and "Media & Press".Source
    • HiringSenior Fintech BD (US East, posted July 7, 2026): "bring Enterprise Accounts onto Morpho: Neobanks, Fintechs and Exchanges that put Morpho-powered earn and borrow in front of their own users"; "Build a strategic fintech pipeline through targeted outreach and discovery"; "Map decision-makers across business, product and compliance"; in a year, "a repeatable pipeline of new-logo distribution deals. The accounts you cover already know Morpho."Source
    • Your websiteCustomer Stories: 39 stories filtered by RWAs, Institutional Lending, Institutional Borrowing, Embedded Earn, Crypto-Backed Loans and Curation. Coinbase: "$3B+ in USDC loans processed since launch" (full rollout April 2025), "$1.3B+ currently active across nine collateral markets". Robinhood Earn: "$500M+" deposited, "in the first 10 weeks".Source
    • HiringRevenue Operations Manager (posted August 24, 2026): "Morpho's GTM motion has grown faster than the operations behind it. Pipeline visibility, CRM hygiene, forecasting, and tooling are split across people"; owns GTM dashboards, a clean CRM, forecasting, the knowledge base, and must "Surface signals from markets and media so business developers can chase, upsell, and close at the right moment".Source
  • 02

    The homepage headline figures, "TOTAL DEPOSITS" and "OUTSTANDING LOANS", are empty in the HTML and only appear after scripts run. Search snippets, link previews and AI assistants read the labels without the numbers. Real visitors wait 5.9 s for the main content and 377 ms after a tap, failing Core Web Vitals, and the lab test shows 1,440 ms of blocking JavaScript.

    High impactMedium effort First result in 1 month Web Lead

    First action

    Server-render the two totals.

    How to measure it

    LCP at the 75th percentile

    Now
    –
    Target
    Under 2.5 s
    By
    90 days

    Steps

    1. 1

      Server-render totals

      With timestamp.

      Web Lead 3 days

    2. 2

      Profile

      Largest scripts and animations.

      Web Lead 2 days

    3. 3

      Defer

      Animations and marquee.

      Web Lead 1 week

    4. 4

      Split bundles

      Per page.

      Web Lead 1 week

    5. 5

      Alt text

      73 images.

      Web Lead 1 day

    6. 6

      Monitor

      Weekly field data.

      Web Lead weekly

    First result
    1 month
    Cost
    Developer time
    Owner
    Web Lead

    Smallest test

    Render the totals today.

    Why it works

    Render the two totals on the server with an "as of" time and refresh them every few minutes. Lazy-load the animations and logo marquee, split the JavaScript, and add alt text to the partner logos. Track field LCP weekly.

    Product leaders at fintechs judge infrastructure by how it feels, and the totals are Morpho's strongest proof.

    Risks and how to handle them

    • Stale totals

      Show the update time next to each figure.

    Evidence

    • Your websiteHomepage: headline "Open infrastructure for global credit"; "TOTAL DEPOSITS" and "OUTSTANDING LOANS" labels whose figures are not in the page HTML (they load by script), while the meta description reads "Morpho is an open credit network with $16B+ in deposits ... Coinbase, Robinhood and Société Générale build on it"; partner logos including Kraken, Ledger, Fireblocks, Coinbase, Robinhood, Deel, Uniswap, Crypto.com and Circle; "30+ audits to date"; 73 images have no alt text.Source
    • Google PageSpeedHomepage on mobile (October 22, 2026): performance 43/100, lab LCP 7.2 s, Total Blocking Time 1,440 ms, 1.3 MB with about 240 KB of unused JavaScript. Real Chrome visitors to the homepage fail Core Web Vitals: LCP 5.9 s and INP 377 ms at the 75th percentile; across the whole site LCP is 4.1 s and 11% slower than before.Source
    • HiringSenior Fintech BD (US East, posted July 7, 2026): "bring Enterprise Accounts onto Morpho: Neobanks, Fintechs and Exchanges that put Morpho-powered earn and borrow in front of their own users"; "Build a strategic fintech pipeline through targeted outreach and discovery"; "Map decision-makers across business, product and compliance"; in a year, "a repeatable pipeline of new-logo distribution deals. The accounts you cover already know Morpho."Source
  • 03

    Every open job post says Morpho is "experiencing exponential adoption, with over billion in deposits": the number is missing. Candidates for GTM roles, and the partners they talk to, read these posts, while the homepage says $16B+.

    Medium impactLow effort First result in 1 day Revenue Operations Manager

    First action

    Edit the Ashby template.

    How to measure it

    Posts and decks with current figures

    Now
    –
    Target
    100%
    By
    30 days

    Steps

    1. 1

      Fix template

      All 11 posts.

      Talent Lead 1 hour

    2. 2

      Approved figures

      Deposits, loans, curators, audits.

      Revenue Operations Manager 1 day

    3. 3

      Knowledge base

      One page, dated.

      Revenue Operations Manager 1 day

    4. 4

      Update decks

      Sales and partner decks.

      Product Marketing Lead 2 days

    5. 5

      Owner

      Monthly refresh.

      Revenue Operations Manager monthly

    6. 6

      Check

      Quarterly audit.

      Revenue Operations Manager quarterly

    First result
    1 day
    Cost
    $0
    Owner
    Revenue Operations Manager

    Smallest test

    Fix the template today.

    Why it works

    Correct the shared template, then keep one approved figure for deposits and other headline numbers in the knowledge base the RevOps role will own, used by job posts, decks and the website.

    A visible typo in a growth claim is an easy credibility loss; one source of truth prevents the next one.

    Risks and how to handle them

    • Figures change fast

      Use "as of" dates.

    Evidence

    • HiringEvery one of the 11 open posts on Morpho's Ashby board (checked October 22, 2026) describes Morpho as "experiencing exponential adoption, with over billion in deposits on the network": the figure is missing. The homepage description says "$16B+ in deposits".Source
    • HiringRevenue Operations Manager (posted August 24, 2026): "Morpho's GTM motion has grown faster than the operations behind it. Pipeline visibility, CRM hygiene, forecasting, and tooling are split across people"; owns GTM dashboards, a clean CRM, forecasting, the knowledge base, and must "Surface signals from markets and media so business developers can chase, upsell, and close at the right moment".Source
    • Your websiteHomepage: headline "Open infrastructure for global credit"; "TOTAL DEPOSITS" and "OUTSTANDING LOANS" labels whose figures are not in the page HTML (they load by script), while the meta description reads "Morpho is an open credit network with $16B+ in deposits ... Coinbase, Robinhood and Société Générale build on it"; partner logos including Kraken, Ledger, Fireblocks, Coinbase, Robinhood, Deel, Uniswap, Crypto.com and Circle; "30+ audits to date"; 73 images have no alt text.Source
  • 04

    The 39 stories have strong results (Coinbase $3B+ in USDC loans processed, Robinhood Earn $500M+), but a fintech product lead also wants to know what was integrated and how long it took. The fintechs page has no integration timeline.

    High impactLow effort First result in 1 month Product Marketing Lead

    First action

    Ask Coinbase and Robinhood teams for their timelines.

    How to measure it

    Contact starts from stories

    Now
    –
    Target
    +30%
    By
    90 days

    Steps

    1. 1

      Template

      Box fields.

      Product Marketing Lead 1 day

    2. 2

      Collect

      Partner input.

      Account Growth 2 weeks

    3. 3

      Publish

      Top ten stories.

      Product Marketing Lead 1 week

    4. 4

      Fintechs page

      Typical timeline.

      Product Marketing Lead 2 days

    5. 5

      Sales use

      In decks.

      Senior Fintech BD 1 day

    6. 6

      Track

      Story to contact.

      Revenue Operations Manager monthly

    First result
    1 month
    Cost
    Staff time only
    Owner
    Product Marketing Lead

    Smallest test

    Add the box to the Coinbase story.

    Why it works

    Add a short box to each story: products used (Blue, Midnight, Vaults), curator, chains, team size, weeks from kickoff to launch, and what the partner built themselves. Add a "typical timeline" section to the fintechs page.

    Time and effort are the first questions in a build-or-buy decision, and peers' answers are the most credible.

    Risks and how to handle them

    • Partners decline to share

      Use ranges.

    Evidence

    • Your websiteCustomer Stories: 39 stories filtered by RWAs, Institutional Lending, Institutional Borrowing, Embedded Earn, Crypto-Backed Loans and Curation. Coinbase: "$3B+ in USDC loans processed since launch" (full rollout April 2025), "$1.3B+ currently active across nine collateral markets". Robinhood Earn: "$500M+" deposited, "in the first 10 weeks".Source
    • Your websiteFintechs page: "Keep assets on platform and increase revenue by giving your users the ability to earn & borrow without leaving your application"; quotes from Coinbase and Robinhood; FAQs on Blue vs Midnight and compliance gates ("These tools can support a compliance program, but they do not make a product legally compliant by themselves"). It has no integration timeline or business-case tool.Source
    • HiringSenior Fintech BD (US East, posted July 7, 2026): "bring Enterprise Accounts onto Morpho: Neobanks, Fintechs and Exchanges that put Morpho-powered earn and borrow in front of their own users"; "Build a strategic fintech pipeline through targeted outreach and discovery"; "Map decision-makers across business, product and compliance"; in a year, "a repeatable pipeline of new-logo distribution deals. The accounts you cover already know Morpho."Source
  • 05

    The contact page offers "Business Solutions" as one path. Morpho now has separate motions for fintech new business, flagship accounts, institutions and curators, and RevOps is hired because pipeline visibility is split.

    High impactLow effort First result in 2 weeks Revenue Operations Manager

    First action

    Draft the routing table.

    How to measure it

    Median reply time

    Now
    –
    Target
    Under 1 business day
    By
    30 days

    Steps

    1. 1

      Routing table

      Type by product by region.

      Revenue Operations Manager 1 day

    2. 2

      Form fields

      Three selects.

      Web Lead 1 day

    3. 3

      CRM rules

      Owners and alerts.

      Revenue Operations Manager 2 days

    4. 4

      Replies

      Templates per route.

      Senior Fintech BD 1 day

    5. 5

      Dashboard

      Volume and speed.

      Revenue Operations Manager 2 days

    6. 6

      Review

      Weekly.

      Head of GTM weekly

    First result
    2 weeks
    Cost
    Staff time only
    Owner
    Revenue Operations Manager

    Smallest test

    Add the organization type field.

    Why it works

    Add three questions: organization type (fintech, exchange, bank, asset manager, curator, other), product interest (earn, borrow, fixed rate, vaults) and region. Route automatically, with a response target per route.

    Fast routing lifts conversion on high-value leads and gives RevOps clean data from day one.

    Risks and how to handle them

    • Fewer submissions

      Keep questions one-click.

    Evidence

    • Your websiteSite menu, "Integrate" column: "Earn API (coming soon)" and "Borrow API (coming soon)" link straight to developer get-started guides on docs.morpho.org, with no sign-up, early-access list or contact option. The contact page offers three paths: "General support", "Business Solutions" and "Media & Press".Source
    • HiringRevenue Operations Manager (posted August 24, 2026): "Morpho's GTM motion has grown faster than the operations behind it. Pipeline visibility, CRM hygiene, forecasting, and tooling are split across people"; owns GTM dashboards, a clean CRM, forecasting, the knowledge base, and must "Surface signals from markets and media so business developers can chase, upsell, and close at the right moment".Source
    • HiringSenior Fintech BD (US East, posted July 7, 2026): "bring Enterprise Accounts onto Morpho: Neobanks, Fintechs and Exchanges that put Morpho-powered earn and borrow in front of their own users"; "Build a strategic fintech pipeline through targeted outreach and discovery"; "Map decision-makers across business, product and compliance"; in a year, "a repeatable pipeline of new-logo distribution deals. The accounts you cover already know Morpho."Source
    • HiringAccount Growth (New York, posted September 9, 2026): "Morpho's largest enterprise partners are live integrations with significant untapped growth potential"; the role embeds in a flagship partner, runs quarterly executive reviews, and turns product data into "quantified expansion plays" such as "rolling products out to new jurisdictions or running activation campaigns"; "Success is measured on revenue and active loans generated by the account".Source
  • 06

    Morpho's blog has a practical guide for product leaders evaluating DeFi infrastructure. Fintech teams compare Morpho with Aave, Euler, Maple and Spark, and procurement wants a checklist.

    Medium impactLow effort First result in 1 month Product Marketing Lead

    First action

    Draft the checklist from the post.

    How to measure it

    Qualified downloads

    Now
    –
    Target
    100 a quarter
    By
    90 days

    Steps

    1. 1

      Draft

      Questions.

      Product Marketing Lead 3 days

    2. 2

      Answers

      Morpho sheet.

      Solutions Engineer 3 days

    3. 3

      Legal review

      Claims.

      Commercial Counsel 2 days

    4. 4

      Publish

      Gated download.

      Web Lead 1 day

    5. 5

      Promote

      Fintech newsletters, BD outreach.

      Senior Fintech BD ongoing

    6. 6

      Track

      Downloads to calls.

      Revenue Operations Manager monthly

    First result
    1 month
    Cost
    Staff time only
    Owner
    Product Marketing Lead

    Smallest test

    Share the checklist with five prospects.

    Why it works

    Publish the guide as an RFP checklist (security, compliance gates, risk isolation, curators, fixed and variable rates, support), with Morpho's answers filled in on a second sheet. Gate the filled version with an email.

    Whoever writes the checklist shapes the decision, and the download is a lead.

    Risks and how to handle them

    • Looks biased

      Keep the questions neutral and the answers separate.

    Evidence

    • Your websiteSitemap (184 URLs): 117 blog posts, 39 stories, 12 job pages and pages for institutions, fintechs, curators, users, Coinbase loans and Midnight; no comparison pages and no non-English pages. The blog includes "How to evaluate DeFi protocols: a practical guide for product leaders exploring DeFi infrastructure". The YouTube channel has about 478 subscribers and 27 videos.Source
    • Competitor researchRivals' own homepages: Aave, "Six years of uninterrupted operation, independently audited"; Euler, "modular lending infrastructure for using, launching and integrating lending markets"; Maple, "the leader in onchain asset management"; Spark, "Institutional Capital Intelligently Allocated"; Kamino, a Solana credit protocol for "institutions and retail users".Source
    • Your websiteFintechs page: "Keep assets on platform and increase revenue by giving your users the ability to earn & borrow without leaving your application"; quotes from Coinbase and Robinhood; FAQs on Blue vs Midnight and compliance gates ("These tools can support a compliance program, but they do not make a product legally compliant by themselves"). It has no integration timeline or business-case tool.Source
    • HiringSenior Fintech BD (US East, posted July 7, 2026): "bring Enterprise Accounts onto Morpho: Neobanks, Fintechs and Exchanges that put Morpho-powered earn and borrow in front of their own users"; "Build a strategic fintech pipeline through targeted outreach and discovery"; "Map decision-makers across business, product and compliance"; in a year, "a repeatable pipeline of new-logo distribution deals. The accounts you cover already know Morpho."Source

This quarter 11

The core plays for the next three months.

  • 07

    The fintechs page says Morpho lets fintechs offer earn and borrow "without having to build or maintain your own backend", and Coinbase and Robinhood chose not to build their own credit engines. A product lead needs to make that case internally.

    High impactMedium effort First result in 1 quarter Senior Fintech BD

    First action

    List the cost items with the solutions team.

    How to measure it

    Completions

    Now
    –
    Target
    60 a quarter
    By
    2 quarters

    Steps

    1. 1

      Cost model

      Build vs integrate.

      Solutions Engineer 2 weeks

    2. 2

      Design

      Simple inputs.

      Web Lead 1 week

    3. 3

      Build

      Web tool.

      Web Lead 2 weeks

    4. 4

      Legal review

      Wording.

      Commercial Counsel 1 week

    5. 5

      Promote

      Fintechs page and outreach.

      Senior Fintech BD ongoing

    6. 6

      Track

      Completions to calls.

      Revenue Operations Manager monthly

    First result
    1 quarter
    Cost
    Developer time
    Owner
    Senior Fintech BD

    Smallest test

    Use it as a spreadsheet in five calls.

    Why it works

    Build a calculator: inputs are the products wanted, chains and team size; outputs are estimated engineering months, audit and maintenance costs for building in-house versus integrating Morpho, and a timeline. Offer a call with the results. Avoid any return or yield figures.

    A business case the prospect can forward speeds up internal approval.

    Risks and how to handle them

    • Estimates contested

      Show assumptions openly.

    Builds on

    Evidence

    • Your websiteFintechs page: "Keep assets on platform and increase revenue by giving your users the ability to earn & borrow without leaving your application"; quotes from Coinbase and Robinhood; FAQs on Blue vs Midnight and compliance gates ("These tools can support a compliance program, but they do not make a product legally compliant by themselves"). It has no integration timeline or business-case tool.Source
    • Your websiteCustomer Stories: 39 stories filtered by RWAs, Institutional Lending, Institutional Borrowing, Embedded Earn, Crypto-Backed Loans and Curation. Coinbase: "$3B+ in USDC loans processed since launch" (full rollout April 2025), "$1.3B+ currently active across nine collateral markets". Robinhood Earn: "$500M+" deposited, "in the first 10 weeks".Source
    • HiringSenior Fintech BD (US East, posted July 7, 2026): "bring Enterprise Accounts onto Morpho: Neobanks, Fintechs and Exchanges that put Morpho-powered earn and borrow in front of their own users"; "Build a strategic fintech pipeline through targeted outreach and discovery"; "Map decision-makers across business, product and compliance"; in a year, "a repeatable pipeline of new-logo distribution deals. The accounts you cover already know Morpho."Source
  • 08

    Account Growth is measured on revenue and active loans per flagship account, and names "running activation campaigns" as a lever. Partners own the user relationship, so Morpho needs to make campaigns easy for them to run.

    High impactMedium effort First result in 1 quarter Account Growth

    First action

    Draft a kit for crypto-backed loans.

    How to measure it

    Active loans

    Now
    –
    Target
    +15%
    By
    2 quarters

    Steps

    1. 1

      Pick products

      Three kits.

      Account Growth 1 week

    2. 2

      Write

      Templates and education.

      Product Marketing Lead 3 weeks

    3. 3

      Compliance notes

      By region.

      Commercial Counsel 2 weeks

    4. 4

      Plan

      With one partner.

      Account Growth 1 month

    5. 5

      Run

      Campaign.

      Account Growth 1 month

    6. 6

      Measure

      Before and after.

      Revenue Operations Manager monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Account Growth

    Smallest test

    Run one campaign with one partner.

    Why it works

    Build a kit per product (crypto-backed loans, earn, fixed rate): in-app message templates, email copy, education content, compliance notes and a measurement plan. Offer joint planning in quarterly reviews.

    Partners act faster when the campaign is ready-made and measured.

    Risks and how to handle them

    • Partner priorities

      Tie campaigns to their goals.

    Evidence

    • HiringAccount Growth (New York, posted September 9, 2026): "Morpho's largest enterprise partners are live integrations with significant untapped growth potential"; the role embeds in a flagship partner, runs quarterly executive reviews, and turns product data into "quantified expansion plays" such as "rolling products out to new jurisdictions or running activation campaigns"; "Success is measured on revenue and active loans generated by the account".Source
    • Your websiteCustomer Stories: 39 stories filtered by RWAs, Institutional Lending, Institutional Borrowing, Embedded Earn, Crypto-Backed Loans and Curation. Coinbase: "$3B+ in USDC loans processed since launch" (full rollout April 2025), "$1.3B+ currently active across nine collateral markets". Robinhood Earn: "$500M+" deposited, "in the first 10 weeks".Source
    • Your website"The Morpho Effect: September 2026": "more than $11B sits in curated vaults"; "More than 30 curators are now active"; Coinbase and Robinhood "each passed $500M in deposits in September"; Coinbase is "the first large-scale distributor to integrate Morpho Midnight"; P2P Orders on Ethereum, Base, Arc and Robinhood Chain.Source
  • 09

    Account Growth names "rolling products out to new jurisdictions" as a growth lever. Robinhood Earn is US-first and Coinbase loans have expanded markets; each partner's next region is a quantified opportunity.

    High impactMedium effort First result in 1 quarter Account Growth

    First action

    Map one partner.

    How to measure it

    Regions launched

    Now
    –
    Target
    3
    By
    2 quarters

    Steps

    1. 1

      Data

      Partner user regions.

      Account Growth 2 weeks

    2. 2

      Legal view

      Per region.

      Commercial Counsel 1 month

    3. 3

      Rank

      Users and readiness.

      Account Growth 1 week

    4. 4

      Present

      Quarterly review.

      Account Growth quarterly

    5. 5

      Support

      Launch help.

      Solutions Engineer ongoing

    6. 6

      Track

      Revenue per region.

      Revenue Operations Manager monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Account Growth

    Smallest test

    Map Robinhood Earn's next markets.

    Why it works

    For each flagship partner, map where their users are, where Morpho products are live, and what legal steps each new region needs. Rank by users and readiness, and bring the top three to quarterly reviews.

    Expansion inside existing accounts is the fastest revenue, and a clear map makes the case to partner executives.

    Risks and how to handle them

    • Regulatory uncertainty

      Start with regions with clear rules.

    Evidence

    • HiringAccount Growth (New York, posted September 9, 2026): "Morpho's largest enterprise partners are live integrations with significant untapped growth potential"; the role embeds in a flagship partner, runs quarterly executive reviews, and turns product data into "quantified expansion plays" such as "rolling products out to new jurisdictions or running activation campaigns"; "Success is measured on revenue and active loans generated by the account".Source
    • Your websiteCustomer Stories: 39 stories filtered by RWAs, Institutional Lending, Institutional Borrowing, Embedded Earn, Crypto-Backed Loans and Curation. Coinbase: "$3B+ in USDC loans processed since launch" (full rollout April 2025), "$1.3B+ currently active across nine collateral markets". Robinhood Earn: "$500M+" deposited, "in the first 10 weeks".Source
    • HiringUS Policy Lead (posted October 12, 2026): "US regulatory engagement is Morpho's top legal priority. The SEC, CFTC, Treasury and FinCEN are writing the rules that will govern onchain lending"; drafts comment letters and leads meetings with agency staff, Congress and coalitions. A Commercial Counsel was posted the same day.Source
  • 10

    RevOps must "surface signals from markets and media" so business developers act at the right moment. Fintechs announce stablecoin launches, licences, card programs and hiring for crypto product roles long before they choose a credit provider.

    High impactMedium effort First result in 1 month Revenue Operations Manager

    First action

    Build the target list.

    How to measure it

    Meetings booked from signals

    Now
    –
    Target
    8 a month
    By
    1 quarter

    Steps

    1. 1

      Target list

      300 accounts.

      Senior Fintech BD 2 weeks

    2. 2

      Sources

      News, jobs, app stores.

      Revenue Operations Manager 1 week

    3. 3

      Scoring

      Simple rules.

      Revenue Operations Manager 1 week

    4. 4

      CRM push

      Weekly top ten.

      Revenue Operations Manager 1 week

    5. 5

      Outreach

      Signal-based message.

      Senior Fintech BD weekly

    6. 6

      Review

      Which signals convert.

      Revenue Operations Manager monthly

    First result
    1 month
    Cost
    Data tools
    Owner
    Revenue Operations Manager

    Smallest test

    Send BD ten signals this week.

    Build the prospect list. The list compiled from public sources, verified, deduplicated and delivered to your CRM. Usually live within days.

    Book a working session

    Why it works

    Track signals for a target list of 300 fintechs and exchanges: stablecoin and licence news, crypto job posts, app releases and chain launches. Score them weekly and push the top ten to BD in the CRM.

    Reaching a team while it is planning beats reaching it after a choice is made.

    Risks and how to handle them

    • Noise

      Tune scoring monthly.

    Evidence

    • HiringRevenue Operations Manager (posted August 24, 2026): "Morpho's GTM motion has grown faster than the operations behind it. Pipeline visibility, CRM hygiene, forecasting, and tooling are split across people"; owns GTM dashboards, a clean CRM, forecasting, the knowledge base, and must "Surface signals from markets and media so business developers can chase, upsell, and close at the right moment".Source
    • HiringSenior Fintech BD (US East, posted July 7, 2026): "bring Enterprise Accounts onto Morpho: Neobanks, Fintechs and Exchanges that put Morpho-powered earn and borrow in front of their own users"; "Build a strategic fintech pipeline through targeted outreach and discovery"; "Map decision-makers across business, product and compliance"; in a year, "a repeatable pipeline of new-logo distribution deals. The accounts you cover already know Morpho."Source
    • Your websiteOctober 13, 2026: Morpho appointed a Head of GTM from Coinbase to scale "adoption across fintechs, financial institutions, and other businesses building onchain credit products"; the team is "80+ contributors worldwide, up roughly 70% over the past year", with new offices and team growth in New York and Singapore. A blog post on October 20 covers "Bringing Receivable Backed Credit Markets Onchain".Source
  • 11

    The Staff PM for New Credit must size custodied Bitcoin, tokenized equities, undercollateralized credit and credit card receivables, and the blog already discusses receivable-backed markets. Public interest pages give real demand data.

    High impactMedium effort First result in 1 quarter Staff Product Manager

    First action

    Publish the receivables page first.

    How to measure it

    Registrations

    Now
    –
    Target
    25 per market
    By
    2 quarters

    Steps

    1. 1

      Pages

      Four markets.

      Staff Product Manager (New Credit) 1 month

    2. 2

      Form

      Role, size, timing.

      Web Lead 1 week

    3. 3

      Legal review

      No offer wording.

      Commercial Counsel 2 weeks

    4. 4

      Promote

      Newsletters and BD.

      Product Marketing Lead ongoing

    5. 5

      Analyze

      Demand by market.

      Staff Product Manager (New Credit) monthly

    6. 6

      PoC invites

      Top respondents.

      Staff Product Manager (New Credit) quarterly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Staff Product Manager (New Credit)

    Smallest test

    Publish one page.

    Why it works

    Publish short pages for each market: the problem, how Midnight fixed-rate terms apply, what is live, and a "register interest" form asking role, size and timing. Use the results in sequencing decisions and invite top respondents to proofs of concept.

    Demand from named counterparties is better sizing data than desk research.

    Risks and how to handle them

    • Read as an offer

      Clear wording that markets are under research.

    Evidence

    • HiringStaff Product Manager (New Credit) (posted August 31, 2026): "Morpho's Midnight launch brought fixed-rate, fixed-term lending onchain"; sizes "custodied Bitcoin, tokenized equities, undercollateralized credit and credit card receivables" and runs "proof of concepts with new counterparty types". Product Manager (Protocol) (posted September 17): "continuous discovery process with curators, distributors, integrators, developers".Source
    • Your websiteOctober 13, 2026: Morpho appointed a Head of GTM from Coinbase to scale "adoption across fintechs, financial institutions, and other businesses building onchain credit products"; the team is "80+ contributors worldwide, up roughly 70% over the past year", with new offices and team growth in New York and Singapore. A blog post on October 20 covers "Bringing Receivable Backed Credit Markets Onchain".Source
    • Your website"The Morpho Effect: September 2026": "more than $11B sits in curated vaults"; "More than 30 curators are now active"; Coinbase and Robinhood "each passed $500M in deposits in September"; Coinbase is "the first large-scale distributor to integrate Morpho Midnight"; P2P Orders on Ethereum, Base, Arc and Robinhood Chain.Source
  • 12

    Coinbase is the first large distributor of Midnight's fixed-rate loans, and P2P Orders now run on Ethereum, Base, Arc and Robinhood Chain. Treasury and credit teams know fixed-term lending from traditional finance; they need it explained in their terms.

    Medium impactMedium effort First result in 1 quarter Product Marketing Lead

    First action

    Book a webinar guest.

    How to measure it

    Institution sign-ups

    Now
    –
    Target
    200
    By
    1 quarter

    Steps

    1. 1

      Plan

      Three pieces.

      Product Marketing Lead 1 week

    2. 2

      Guest

      Distributor or curator.

      Account Growth 2 weeks

    3. 3

      Write

      Explainers.

      Product Marketing Lead 2 weeks

    4. 4

      Legal review

      Wording.

      Commercial Counsel 1 week

    5. 5

      Run

      Webinar.

      Product Marketing Lead 1 day

    6. 6

      Follow up

      With BD.

      Senior Fintech BD 1 week

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Product Marketing Lead

    Smallest test

    Publish the explainer.

    Why it works

    Run a short series: a webinar with a distributor, an explainer of offer-based markets for credit desks, and a one-page comparison of fixed and variable terms. Collect sign-ups for follow-up.

    Familiar concepts lower the barrier for institutions new to onchain credit.

    Risks and how to handle them

    • Low turnout

      Record and distribute clips.

    Evidence

    • Your website"The Morpho Effect: September 2026": "more than $11B sits in curated vaults"; "More than 30 curators are now active"; Coinbase and Robinhood "each passed $500M in deposits in September"; Coinbase is "the first large-scale distributor to integrate Morpho Midnight"; P2P Orders on Ethereum, Base, Arc and Robinhood Chain.Source
    • HiringStaff Product Manager (New Credit) (posted August 31, 2026): "Morpho's Midnight launch brought fixed-rate, fixed-term lending onchain"; sizes "custodied Bitcoin, tokenized equities, undercollateralized credit and credit card receivables" and runs "proof of concepts with new counterparty types". Product Manager (Protocol) (posted September 17): "continuous discovery process with curators, distributors, integrators, developers".Source
    • Your websiteCustomer Stories: 39 stories filtered by RWAs, Institutional Lending, Institutional Borrowing, Embedded Earn, Crypto-Backed Loans and Curation. Coinbase: "$3B+ in USDC loans processed since launch" (full rollout April 2025), "$1.3B+ currently active across nine collateral markets". Robinhood Earn: "$500M+" deposited, "in the first 10 weeks".Source
  • 13

    The US Policy Lead will draft comment letters to the SEC, CFTC, Treasury and FinCEN. Compliance teams at banks and fintechs want to know how Morpho engages with regulators before they integrate.

    Medium impactMedium effort First result in 1 quarter US Policy Lead

    First action

    Collect past filings.

    How to measure it

    Views from target accounts

    Now
    –
    Target
    100 a quarter
    By
    2 quarters

    Steps

    1. 1

      Principles

      Short statement.

      US Policy Lead 2 weeks

    2. 2

      Filings

      All published letters.

      US Policy Lead 1 week

    3. 3

      Summaries

      Plain language.

      Product Marketing Lead 2 weeks

    4. 4

      Legal review

      General Counsel.

      General Counsel 1 week

    5. 5

      Publish

      Policy page.

      Web Lead 1 week

    6. 6

      Update

      Each filing.

      US Policy Lead ongoing

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    US Policy Lead

    Smallest test

    Publish the first letter with a summary.

    Why it works

    Publish a policy page: principles, every comment letter, coalition memberships and short summaries for non-lawyers. Link it from the institutions and fintechs pages.

    Visible regulatory engagement reassures compliance reviewers and policymakers.

    Risks and how to handle them

    • Positions attract criticism

      Explain reasoning clearly.

    Evidence

    • HiringUS Policy Lead (posted October 12, 2026): "US regulatory engagement is Morpho's top legal priority. The SEC, CFTC, Treasury and FinCEN are writing the rules that will govern onchain lending"; drafts comment letters and leads meetings with agency staff, Congress and coalitions. A Commercial Counsel was posted the same day.Source
    • Your websiteFintechs page: "Keep assets on platform and increase revenue by giving your users the ability to earn & borrow without leaving your application"; quotes from Coinbase and Robinhood; FAQs on Blue vs Midnight and compliance gates ("These tools can support a compliance program, but they do not make a product legally compliant by themselves"). It has no integration timeline or business-case tool.Source
  • 14

    The Fintech BD must map decision-makers across business, product and compliance. Compliance teams need the gates, KYC vault options, audits and formal verification in one document; today it is spread across FAQs and blog posts.

    High impactMedium effort First result in 1 quarter Senior Fintech BD

    First action

    List the last ten compliance questions from deals.

    How to measure it

    Days from first call to signed

    Now
    –
    Target
    -20%
    By
    2 quarters

    Steps

    1. 1

      Questions

      From recent deals.

      Senior Fintech BD 1 week

    2. 2

      Draft

      Pack and questionnaire.

      Commercial Counsel 1 month

    3. 3

      Security input

      Audits and processes.

      Head of Security 2 weeks

    4. 4

      Design

      PDF.

      Product Marketing Lead 1 week

    5. 5

      Use

      In every deal.

      Senior Fintech BD ongoing

    6. 6

      Update

      Quarterly.

      Commercial Counsel quarterly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Senior Fintech BD

    Smallest test

    Answer the ten questions.

    Why it works

    Assemble a pack: architecture and custody, compliance gates (Vaults V2, Midnight), audits (30+), formal verification, incident process, and a standard questionnaire with answers. Share it under NDA where needed.

    Answering compliance questions upfront shortens deal cycles.

    Risks and how to handle them

    • Read as legal advice

      State clearly it is not.

    Evidence

    • HiringSenior Fintech BD (US East, posted July 7, 2026): "bring Enterprise Accounts onto Morpho: Neobanks, Fintechs and Exchanges that put Morpho-powered earn and borrow in front of their own users"; "Build a strategic fintech pipeline through targeted outreach and discovery"; "Map decision-makers across business, product and compliance"; in a year, "a repeatable pipeline of new-logo distribution deals. The accounts you cover already know Morpho."Source
    • Your websiteFintechs page: "Keep assets on platform and increase revenue by giving your users the ability to earn & borrow without leaving your application"; quotes from Coinbase and Robinhood; FAQs on Blue vs Midnight and compliance gates ("These tools can support a compliance program, but they do not make a product legally compliant by themselves"). It has no integration timeline or business-case tool.Source
    • Your websiteHomepage: headline "Open infrastructure for global credit"; "TOTAL DEPOSITS" and "OUTSTANDING LOANS" labels whose figures are not in the page HTML (they load by script), while the meta description reads "Morpho is an open credit network with $16B+ in deposits ... Coinbase, Robinhood and Société Générale build on it"; partner logos including Kraken, Ledger, Fireblocks, Coinbase, Robinhood, Deel, Uniswap, Crypto.com and Circle; "30+ audits to date"; 73 images have no alt text.Source
  • 15

    The YouTube channel has about 478 subscribers and 27 videos. Product teams evaluating an integration like to see it working.

    Medium impactMedium effort First result in 1 month Developer Relations Lead

    First action

    Record the earn vault walkthrough.

    How to measure it

    Views

    Now
    –
    Target
    10,000 a quarter
    By
    2 quarters

    Steps

    1. 1

      Scripts

      Three paths.

      Developer Relations Lead 1 week

    2. 2

      Record

      Screen and voice.

      Developer Relations Lead 2 weeks

    3. 3

      Partner demo

      One partner.

      Account Growth 1 month

    4. 4

      Publish

      YouTube.

      Product Marketing Lead 1 day

    5. 5

      Embed

      Fintechs page and docs.

      Web Lead 1 day

    6. 6

      Promote

      In outreach.

      Senior Fintech BD ongoing

    First result
    1 month
    Cost
    Production
    Owner
    Developer Relations Lead

    Smallest test

    Publish one video.

    Why it works

    Record a five-minute video per integration path (earn vault, crypto-backed loans, fixed rate), plus partner demos, and embed them on the fintechs page and docs.

    Video shortens evaluation for both product and engineering.

    Risks and how to handle them

    • Product changes

      Keep videos short and easy to redo.

    Evidence

    • Your websiteSitemap (184 URLs): 117 blog posts, 39 stories, 12 job pages and pages for institutions, fintechs, curators, users, Coinbase loans and Midnight; no comparison pages and no non-English pages. The blog includes "How to evaluate DeFi protocols: a practical guide for product leaders exploring DeFi infrastructure". The YouTube channel has about 478 subscribers and 27 videos.Source
    • Your websiteFintechs page: "Keep assets on platform and increase revenue by giving your users the ability to earn & borrow without leaving your application"; quotes from Coinbase and Robinhood; FAQs on Blue vs Midnight and compliance gates ("These tools can support a compliance program, but they do not make a product legally compliant by themselves"). It has no integration timeline or business-case tool.Source
  • 16

    Morpho is adding team in New York and Singapore and grew to 80+ contributors. Small events with fintech product leaders build the relationships the new Head of GTM and the BD team need.

    Medium impactMedium effort First result in 1 quarter Head of GTM

    First action

    Pick dates and a partner speaker.

    How to measure it

    Meetings

    Now
    –
    Target
    10 per event
    By
    2 quarters

    Steps

    1. 1

      Targets

      Invite list.

      Senior Fintech BD 2 weeks

    2. 2

      Speaker

      Partner.

      Account Growth 2 weeks

    3. 3

      Venue

      Each city.

      Events Manager 1 month

    4. 4

      Run

      Roundtable.

      Head of GTM 1 day

    5. 5

      Follow up

      Within a week.

      Senior Fintech BD 1 week

    6. 6

      Track

      Pipeline.

      Revenue Operations Manager monthly

    First result
    1 quarter
    Cost
    Event costs
    Owner
    Head of GTM

    Smallest test

    Run one dinner in New York.

    Why it works

    Host quarterly roundtables in each city with a partner speaker (Coinbase, Kraken, Robinhood), limited to product and compliance leaders from target accounts.

    Peer discussion is persuasive, and small rooms produce meetings.

    Risks and how to handle them

    • Low attendance

      Keep it small and invitation only.

    Evidence

    • Your websiteOctober 13, 2026: Morpho appointed a Head of GTM from Coinbase to scale "adoption across fintechs, financial institutions, and other businesses building onchain credit products"; the team is "80+ contributors worldwide, up roughly 70% over the past year", with new offices and team growth in New York and Singapore. A blog post on October 20 covers "Bringing Receivable Backed Credit Markets Onchain".Source
    • HiringSenior Fintech BD (US East, posted July 7, 2026): "bring Enterprise Accounts onto Morpho: Neobanks, Fintechs and Exchanges that put Morpho-powered earn and borrow in front of their own users"; "Build a strategic fintech pipeline through targeted outreach and discovery"; "Map decision-makers across business, product and compliance"; in a year, "a repeatable pipeline of new-logo distribution deals. The accounts you cover already know Morpho."Source
    • Your websiteCustomer Stories: 39 stories filtered by RWAs, Institutional Lending, Institutional Borrowing, Embedded Earn, Crypto-Backed Loans and Curation. Coinbase: "$3B+ in USDC loans processed since launch" (full rollout April 2025), "$1.3B+ currently active across nine collateral markets". Robinhood Earn: "$500M+" deposited, "in the first 10 weeks".Source
  • 17

    Account Growth runs quarterly executive reviews and RevOps owns GTM dashboards. Partners see their own user data, but not how their Morpho integration compares or where growth is.

    Medium impactMedium effort First result in 1 quarter Revenue Operations Manager

    First action

    Build it for one partner.

    How to measure it

    Actions agreed

    Now
    –
    Target
    2 per review
    By
    2 quarters

    Steps

    1. 1

      Metrics

      Per partner.

      Revenue Operations Manager 1 week

    2. 2

      Data

      Onchain and CRM.

      Revenue Operations Manager 2 weeks

    3. 3

      Build

      Dashboard.

      Revenue Operations Manager 2 weeks

    4. 4

      Pilot

      One review.

      Account Growth quarterly

    5. 5

      Roll out

      All flagships.

      Revenue Operations Manager 1 quarter

    6. 6

      Improve

      Partner feedback.

      Account Growth quarterly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Revenue Operations Manager

    Smallest test

    Use it in the next review.

    Why it works

    Build a dashboard per partner: deposits, active loans, users, products live, and the top three expansion ideas. Share it before each review.

    Shared data makes reviews about growth, not reporting.

    Risks and how to handle them

    • Sensitive data

      Share only each partner's own data.

    Evidence

    • HiringAccount Growth (New York, posted September 9, 2026): "Morpho's largest enterprise partners are live integrations with significant untapped growth potential"; the role embeds in a flagship partner, runs quarterly executive reviews, and turns product data into "quantified expansion plays" such as "rolling products out to new jurisdictions or running activation campaigns"; "Success is measured on revenue and active loans generated by the account".Source
    • HiringRevenue Operations Manager (posted August 24, 2026): "Morpho's GTM motion has grown faster than the operations behind it. Pipeline visibility, CRM hygiene, forecasting, and tooling are split across people"; owns GTM dashboards, a clean CRM, forecasting, the knowledge base, and must "Surface signals from markets and media so business developers can chase, upsell, and close at the right moment".Source
    • Your websiteCustomer Stories: 39 stories filtered by RWAs, Institutional Lending, Institutional Borrowing, Embedded Earn, Crypto-Backed Loans and Curation. Coinbase: "$3B+ in USDC loans processed since launch" (full rollout April 2025), "$1.3B+ currently active across nine collateral markets". Robinhood Earn: "$500M+" deposited, "in the first 10 weeks".Source

Big bets 3

Larger plays that can change the trajectory.

  • 18

    The APIs are "coming soon", while Morpho's BD team focuses on large accounts. Mid-size fintechs and wallets could integrate with less help if the APIs had a sandbox and clear pricing.

    High impactHigh effort First result in 3 quarters Product Manager

    First action

    Interview ten early-access signups.

    How to measure it

    Integrations live

    Now
    –
    Target
    15
    By
    3 quarters

    Steps

    1. 1

      Interviews

      Ten signups.

      Product Manager (Protocol) 1 month

    2. 2

      Scope

      API and sandbox.

      Product Manager (Protocol) 1 month

    3. 3

      Build

      APIs and samples.

      Engineering Lead 1 quarter

    4. 4

      Terms

      Partner tier.

      Commercial Counsel 1 month

    5. 5

      Launch

      First cohort.

      Developer Relations Lead 1 month

    6. 6

      Support

      Docs and community.

      Developer Relations Lead ongoing

    First result
    3 quarters
    Cost
    Engineering time
    Owner
    Product Manager (Protocol)

    Smallest test

    Open the sandbox to five teams.

    Why it works

    Launch both APIs with a sandbox, sample apps, a partner tier with published terms, and a path to BD support above a size threshold. Use the early-access list as the first cohort.

    Self-serve reaches the long tail while BD stays on the largest accounts.

    Risks and how to handle them

    • Support load

      Tiered support by size.

    Builds on

    Evidence

    • Your websiteSite menu, "Integrate" column: "Earn API (coming soon)" and "Borrow API (coming soon)" link straight to developer get-started guides on docs.morpho.org, with no sign-up, early-access list or contact option. The contact page offers three paths: "General support", "Business Solutions" and "Media & Press".Source
    • HiringSenior Fintech BD (US East, posted July 7, 2026): "bring Enterprise Accounts onto Morpho: Neobanks, Fintechs and Exchanges that put Morpho-powered earn and borrow in front of their own users"; "Build a strategic fintech pipeline through targeted outreach and discovery"; "Map decision-makers across business, product and compliance"; in a year, "a repeatable pipeline of new-logo distribution deals. The accounts you cover already know Morpho."Source
    • HiringStaff Product Manager (New Credit) (posted August 31, 2026): "Morpho's Midnight launch brought fixed-rate, fixed-term lending onchain"; sizes "custodied Bitcoin, tokenized equities, undercollateralized credit and credit card receivables" and runs "proof of concepts with new counterparty types". Product Manager (Protocol) (posted September 17): "continuous discovery process with curators, distributors, integrators, developers".Source
  • 19

    The New Credit PM is sizing credit card receivables and other new markets, and the blog covers bringing receivable-backed credit markets onchain. A live pilot with a real originator proves the model.

    High impactHigh effort First result in 2 quarters Staff Product Manager

    First action

    Shortlist three originators.

    How to measure it

    Pilot volume

    Now
    –
    Target
    Agreed cap reached
    By
    3 quarters

    Steps

    1. 1

      Shortlist

      Three originators.

      Staff Product Manager (New Credit) 1 month

    2. 2

      Structure

      Market and curator.

      Staff Product Manager (New Credit) 1 month

    3. 3

      Legal

      Review.

      Commercial Counsel 1 month

    4. 4

      Launch

      Capped pilot.

      Staff Product Manager (New Credit) 1 quarter

    5. 5

      Monitor

      Performance.

      Staff Product Manager (New Credit) weekly

    6. 6

      Publish

      Story.

      Product Marketing Lead 1 month

    First result
    2 quarters
    Cost
    Legal and partner costs
    Owner
    Staff Product Manager (New Credit)

    Smallest test

    Run a paper pilot with one originator.

    Why it works

    Pick one originator from the interest pages, structure a fixed-term market on Midnight with a curator and legal review, run a capped pilot and publish the results as a story.

    A working pilot turns a concept into a reference for the whole market.

    Risks and how to handle them

    • Credit losses

      Cap size and use strong curators.

    Builds on

    Evidence

    • HiringStaff Product Manager (New Credit) (posted August 31, 2026): "Morpho's Midnight launch brought fixed-rate, fixed-term lending onchain"; sizes "custodied Bitcoin, tokenized equities, undercollateralized credit and credit card receivables" and runs "proof of concepts with new counterparty types". Product Manager (Protocol) (posted September 17): "continuous discovery process with curators, distributors, integrators, developers".Source
    • Your websiteOctober 13, 2026: Morpho appointed a Head of GTM from Coinbase to scale "adoption across fintechs, financial institutions, and other businesses building onchain credit products"; the team is "80+ contributors worldwide, up roughly 70% over the past year", with new offices and team growth in New York and Singapore. A blog post on October 20 covers "Bringing Receivable Backed Credit Markets Onchain".Source
    • Your website"The Morpho Effect: September 2026": "more than $11B sits in curated vaults"; "More than 30 curators are now active"; Coinbase and Robinhood "each passed $500M in deposits in September"; Coinbase is "the first large-scale distributor to integrate Morpho Midnight"; P2P Orders on Ethereum, Base, Arc and Robinhood Chain.Source
  • 20

    Morpho has unique data: $11B+ in curated vaults, 30+ curators, distributors like Coinbase and Robinhood, fixed and variable markets. Institutions, journalists and policymakers need a reference on onchain credit.

    High impactHigh effort First result in 2 quarters Head of GTM

    First action

    Outline the report.

    How to measure it

    Citations

    Now
    –
    Target
    30
    By
    2 quarters

    Steps

    1. 1

      Outline

      Sections.

      Head of GTM 1 month

    2. 2

      Data

      Onchain analysis.

      Research Lead 2 months

    3. 3

      Write

      Report.

      Product Marketing Lead 1 month

    4. 4

      Review

      Legal and policy.

      US Policy Lead 2 weeks

    5. 5

      Launch

      Press and events.

      Product Marketing Lead 1 month

    6. 6

      Brief

      Policymakers.

      US Policy Lead ongoing

    First result
    2 quarters
    Cost
    Design and research time
    Owner
    Head of GTM

    Smallest test

    Publish a short data brief first.

    Why it works

    Publish an annual report on onchain credit (volumes, collateral types, fixed vs variable, curators, distributors), with methods and downloadable data, and brief press and policymakers.

    Owning the reference data makes Morpho the default source for the category.

    Risks and how to handle them

    • Seen as marketing

      Publish methods and raw data.

    Evidence

    • Your website"The Morpho Effect: September 2026": "more than $11B sits in curated vaults"; "More than 30 curators are now active"; Coinbase and Robinhood "each passed $500M in deposits in September"; Coinbase is "the first large-scale distributor to integrate Morpho Midnight"; P2P Orders on Ethereum, Base, Arc and Robinhood Chain.Source
    • HiringUS Policy Lead (posted October 12, 2026): "US regulatory engagement is Morpho's top legal priority. The SEC, CFTC, Treasury and FinCEN are writing the rules that will govern onchain lending"; drafts comment letters and leads meetings with agency staff, Congress and coalitions. A Commercial Counsel was posted the same day.Source
    • Your websiteCustomer Stories: 39 stories filtered by RWAs, Institutional Lending, Institutional Borrowing, Embedded Earn, Crypto-Backed Loans and Curation. Coinbase: "$3B+ in USDC loans processed since launch" (full rollout April 2025), "$1.3B+ currently active across nine collateral markets". Robinhood Earn: "$500M+" deposited, "in the first 10 weeks".Source

03

How Programmable can help

Where an idea in this playbook is something Programmable builds or runs, it's listed here with what we'd do. Everything else is yours to run.

Have it built

ProgrammableAgency

1 of the 20 ideas are things Programmable builds and runs for its customers: pages, outreach, prospect lists, booking flows and monitors. Pick one, or send the whole list.

Prospect lists1The list compiled from public sources, verified, deduplicated and delivered to your CRM.

A 30-minute session with the engineer who would build it, not a sales call. You leave with a plan whether or not you hire us.

Book a working session

Usually live within days.

Tools for the rest

ProgrammableInfo

Turn the research into a list you can act on

These ideas start with finding the right companies. Info finds them and the right person at each, researches every one and drafts the outreach, then asks before it sends.

  • Build this list in Info for idea #6 (opens programmable.info in a new tab)

New accounts: 100,000 free credits with code BETA100K

Find the companies (opens programmable.info in a new tab)
ProgrammableTalk

Fill the events in this plan

These ideas are events. Talk gets registrants for them and tells you who's coming and what their company does before the day.

Plan an event (opens programmable.talk in a new tab)
ProgrammableDigital

Show it, don't just describe it

These ideas need something to show: a demo, a video, an animation, graphics or a deck. Digital turns screenshots or the site into all of them, in the company's own brand.

Make a demo (opens programmable.digital in a new tab)
More example playbooks and reviews

More growth playbooks

Other companies we have researched, each read from what they are hiring for.

  • Treffort growth strategyA US luxury menswear brand selling European-tailored men's dress shirts in 100% long-staple cotton: solids, checks and limited-run floral…21 growth ideas
  • Arize AI growth strategyAn AI and agent engineering platform for observability and evaluation: Arize AX (managed, with Signal, Alyx and ADB) and Phoenix (open…22 growth ideas
  • Voodoo growth strategyA Paris mobile games and apps company that makes and publishes casual and hybrid-casual games (Mob Control, Block Jam, Paper.io 2), runs…22 growth ideas
  • Censys growth strategyInternet intelligence: a continuously updated map of every host, service, certificate and DNS record on the Internet, sold as a platform…21 growth ideas
  • Spotter growth strategyFunds top YouTube creators through revenue-share licensing (Creator Capital) and sells advertising across their long-form catalog, mostly…21 growth ideas
  • Sarilla growth strategyMakes organic, alcohol-free sparkling teas brewed from Rwandan tea and botanicals (Green Tea, Lemon Tea, Chamomile Lime and a new…22 growth ideas
  • Kritik growth strategyPeer assessment and AI-transparency tools for higher education: Kritik360 for peer-led assessment and 360-degree feedback, and VisibleAI…20 growth ideas
  • HoneyBook growth strategyAn AI-powered client management platform for service businesses: lead capture, proposals, contracts, invoices, payments, scheduling…21 growth ideas

See every playbook and website review

Independent research. Programmable wrote this playbook from public sources, as they stood on October 23, 2026, and cites them throughout. Morpho did not commission, review or endorse it, and Programmable is not affiliated with Morpho. Company and product names are trademarks of their owners, used only to identify them. The ideas are suggestions and opinion, not professional, legal or financial advice, and not statements about how Morpho runs its business.

Something wrong, or do you represent Morpho? Email [email protected] and we will correct it or take it down.

30/60/90 roadmap

What to focus on in each month, and the ideas that carry it.

  1. Days 1 to 306 ideas

    Early-access list, homepage totals and speed, job post fix, story timelines, contact routing and the RFP checklist.

  2. Days 31 to 6011 ideas

    Build-vs-integrate calculator, partner activation kits, expansion maps, signal feed, new credit market pages, fixed-rate series, policy page, compliance pack, videos, roundtables and partner dashboards.

  3. Days 61 to 903 ideas

    Self-serve APIs, a receivables pilot and an annual onchain credit report.

The research behind the plan

3 research areas, each summarised in a few lines. Open any of them for the full detail.

Customers

What customers say

Customers value keeping control of the user experience. The most cited problem: compliance review of onchain products.

  • Not building a credit engine from scratch
  • Integration effort and timelines
  • In their words: “open credit network”

Market

Competitive landscape

5 competitors compared: Aave, Euler, Maple, Spark and 1 more.

  • Gap to exploit: Self-serve credit APIs for mid-size fintechs
  • Aave: Pooled design, less configurable per partner
  • Euler: Fewer large distributors

Hiring signals

Morpho is building a GTM machine around its partner-led growth.

  • Senior Fintech BD: New fintech, neobank and exchange accounts. Ideas 1, 7, 14.
  • Account Growth: Flagship partner growth via activation and jurisdictions. Ideas 8, 9, 17.
  • Revenue Operations Manager: GTM data, CRM and market signals. Ideas 3, 5, 10, 17.

From the team that wrote this playbook

All products
  • ProgrammableAgencyWorking AI systems in days, not quarters (opens programmable.agency in a new tab)
  • ProgrammableInfoAn agent that finds, researches and asks first (opens programmable.info in a new tab)
  • ProgrammableDigitalScreenshots in, an animated product demo out (opens programmable.digital in a new tab)
  • ProgrammableWatchKnow the day a supplier falls out of compliance (opens programmable.watch in a new tab)
  • ProgrammableTalkGet registrants for your events, and know who’s coming (opens programmable.talk in a new tab)
  • ProgrammablePageText what you need, your customer gets a page that works (opens programmable.page in a new tab)
  • ProgrammableCommunityForums with labelled AI members, never empty (opens programmable.community in a new tab)
ProgrammableMarketing
ExamplesLeaderboardsProductsTermsPrivacyCookiesDPALegalContact

© 2026 AI-Powered Growth Intelligence