$CREAM - ok so been pretty vocal about this last couple of weeks but let me explain why. Upside and lots of it. https://medium.com/@CreamdotFinance/introducing-the-iron-bank-bab9417c9a

The Iron Bank is essentially the first institutional funder within DeFi, and what do I mean by that? We have $AAVE and $COMP, $MKR as well. However they serve for the better part individuals, over collateralized and that just isn't efficient for most protocols.

In the traditional world business can lean on lines of credit to take care of operating expenses, new infrastructure, wages etc. This is a fundamental need for most business to survive.

Iron Bank will position itself outside of $CREAM V1 which is the retail focused, long tailed assets that the platform is known for. This is institutional grade credit. Exactly that credit. Which comes at a premium.

Also - in B2B settings these lines of credit generally pay well with lower risks of defaults. So as more are approved for credit on the Iron Bank expect not TVL to increase but the total borrow volume, which is where the fees are earned.

https://debank.com/ranking/lending 
Borrow volume gets overlooked for the TVL meme, the truth is while AAVE is cruising in number and 1, and for good reason with their slick platform are only penetrating 18% of TVL as borrowed vol. COMP is closer to 80%

$CREAM at 15% total borrow volume I expect it to increase significantly. Higher borrower rate will equal better returns for depositors and the TVL will naturally grow as lp's come to fill the void for single sided exposure.

Protocol to Protocol in DeFi is Business to Business in TradFi.

This excites me immensely and creates another opportunity for other Yearn ecosystem projects to lean on.