DeFi Yields Explained: Why Products Matter More Than Direct Protocols

TLDR: DeFi Earn offers 4%–8% APY, delivering up to 16x higher returns than traditional savings accounts  Banks face structural asset-liability mismatches that limit yield and create hidden systemic risk  On-chain transparency exposes DeFi risks early, unlike opaque bank balance sheets Products manage protocol selection, monitoring, custody, and risk—critical for mass adoption   Decentralized finance has [...]

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