• Cryo-EM structures reveal that insulin, IGF-I, and IGF-II all induce a similar T-shaped active IR conformation, but via distinct conformational pathways.
• Insulin rapidly locks the receptor into a rigid, symmetric state, minimizing heterogeneity and promoting fast, synchronized signaling.
• IGFs favor asymmetric, flexible intermediate states, enabling sustained and adaptable activation suited to growth and differentiation.
• Ligand-specific engagement of binding sites 1 and 2 underlies differential cooperativity and signaling bias, with implications for therapeutic targeting.
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