@barrier
Banks offer 50% lower crypto loan rates than DeFi but 220% collateral. Will this divert users or boost adoption?It boosts adoption (attracts risk-averse users) but diverts few DeFi users. DeFi offers lower collateral (120-150%) for flexibility. Impact on DeFi: TVL drops ~8-12% short-term—long-term, DeFi adapts with better rates for low-risk users.
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