Hi, I’m Harsha.

I'm a developer, I trade every now and then, and I genuinely like digging into interesting corners of DeFi when I have the time. I haven't actually used any DeFi lending protocols before this, no Kamino, Aave, Marginfi, none of it. So, kindly take this as a first-time-user's honest reaction.

Loom Video Link: https://www.loom.com/share/67cb44ea236444e5bca970607a5e7fd5

First Impressions of Zodial:

My first impression was actually pretty visual : the teal background caught me off guard in a good way, really clean and minimal. But once I got past that initial look, it felt a bit sparse, mostly just numbers on screen with not much else going on, so it took me a little while to actually get pulled in. Once I started clicking around and digging deeper though, it got genuinely interesting. It feels like a well-built product that's still got a lot of room to grow into itself.

Friction Points and Suggested Fixes [Section wise]:

Disclaimer: Each Point will have a reference attached underneath.

  1. OnBoarding:

Problem: Before you accept the terms, every button on the page still looks clickable. You click Deposit or Borrow, and only then does a little red note pop up saying "accept T&C first.”

Why it matters: You find out you're blocked after you try, instead of before — a small but avoidable moment of friction right at the start of using the app.

Solution: Grey out all actions until T&C is accepted, instead of letting users click through and get told no each time.

IMG 1

IMG 1

  1. Deposit Flow:

Problem: The market page lists two separate USDC rows: "P" and "F," with different max LTs (97.0% vs 97.5%). The Deposit modal just says "USD Coin USDC," never confirming which one you're actually going into.

Why it matters: If you clicked the wrong row by mistake, there's no way to catch that before confirming unless you click on the dropdown menu (like in IMG 3). You're trusting the modal carried the right context forward with zero visible proof.

Solution: Have the confirmation screen explicitly state the tranche, e.g. "USD Coin — Prime, Max LT 97.0%."