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Ethereum is now in a position to compete directly with banks and neobanks by offering a better yield on deposits to everyday users.
If we look at @aave rates historically, stablecoin deposit APYs have outperformed T-bills, NSR, and MMR on average across multiple rate regimes.
And this matters even more now as T-bill rates are expected to fall into their lowest range in 2–3 years.
The same trend holds in Europe. EUR stablecoin deposit yields on Aave consistently beat the Euro Short-Term Rate.
DeFi wins because its value proposition is strictly better:
- higher yield
- globally accessible
- permissionless and composable.
And @ethereum is uniquely positioned to capture this market because it benchmarks the highest across the three verticals that matter most:
- credible neutrality,
- network effects, and
- deep liquidity.




binjiDec 10, 22:45
okay, hear me out:
we are positioned to make crypto MATTER for the world.
for anyone from the single mother trying to save for her kids tuition to the refugee who had to escape war, all the way to the high schooler that wants to start learning about finance.
HOW?
low risk defi on ethereum is essentially a universal savings account that can let anyone anywhere save the money they earn
let’s think about this way:
the crypto 1x (let anyone save money globally) is an amazing breakthrough considering that most people are currently making a ~0.8x due to inflation.
a traditional US savings account yields 0.4%
and that 0.4% is in the UNITED STATES, the most economically powerful country in the world, people in other countries have it far worse.
but now, for the first time EVER:
anyone, ANYWHERE can access stable yield.
most people don’t have access to US treasury yields,
but EVERYONE has access to low risk defi,
everyone has access to Ethereum.
and these stable yields on ethereum are consistently doing 4% at scale.
so what does this man?
it means compounding money, the holy grail of personal finance, is now available for everyone in the world.
this =
more people being able to send their kids to college, raising up their life opportunities, their standards and their ability to impact the world.
It’s beautiful, it’s real, and it’s happening.

1.15K
Tydro (@tydrohq), @inkonchain lending protocol powered by @aave, is approaching $600M in deposits and $250M in borrows.
Over the past month, deposits are up 50% and borrows up 85%.
Most of recent growth came from restaked ETH collateral.
ezETH and wrsETH now represent over $100M in deposits used as collateral on Tydro.

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@Polymarket launched its Builders program about 1.5 months ago and we analysed the early data.
We categorised all Builder apps and created a @Dune dashboard to track their activity.
Which emerging apps are generating the most volume, gaining the most users or driving the highest volume per user?
And which categories are showing the strongest traction?
📊:

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