@hjsk
Banks offer 40% lower crypto loan rates than DeFi but 180% 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 flexible users. Impact on DeFi: TVL drops ~5-10% short-term—long-term, DeFi adapts with better rates for low-risk users.
0 reply
0 recast
0 reaction