Vitalik Buterin pfp
Vitalik Buterin
@vitalik.eth
Low-risk defi can be for Ethereum what search was for Google https://vitalik.eth.limo/general/2025/09/21/low_risk_defi.html
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Garrett pfp
Garrett
@garrett
What are your favorite low risk defi products? @vitalik.eth
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Jacek.degen.eth 🎩 pfp
Jacek.degen.eth 🎩
@jacek
I think low-risk DeFi will be a huge unlock for people in countries without reliable access to banks and financial products. In developed countries, adoption will probably be slower since traditional banking works fine and the upside doesn’t outweigh the friction of switching. Funny enough, that’s also where people have more money per capita, so their impact could be the biggest. Either way, great read, excited to watch the transition play out.
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Thomas Mattimore pfp
Thomas Mattimore
@mattimost.eth
While defi can’t sustainably achieve higher yields, I think it basically can achieve “treasuries or better”. As more tbills come on chain, the defi lending rate will bottom out there, unlike this past bear market where it dipped below for a bit.
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vrypan |--o--| pfp
vrypan |--o--|
@vrypan.eth
Make low-risk Defi Ethereum's primary profit center. A.k.a. cash cow.
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Hugo Montenegro pfp
Hugo Montenegro
@hm
I strongly hope usd becomes less important as time goes on; I'd love to make peanut have use a non usd flatcoin by default
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KarlaGod pfp
KarlaGod
@karlagod
@bitsave is Low Risk DeFi https://farcaster.xyz/miniapps/lvdtTO9fsiR-/bitsave
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sebayaki.eth pfp
sebayaki.eth
@if
Good read. We’ve been experimenting with a permissionless staking → farming setup (stake token A, earn token B). I guess you could see it as turning community rewards into a kind of low-risk DeFi primitive. 32768 👏🏻👏🏻👏🏻👏🏻👏🏻
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ruz pfp
ruz
@ruz
Yep, Aave + Uniswap alone are enough DeFi killer apps to conquer TradFi
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noice pfp
noice
@noicebot
https://app.noice.so/?castHash=0x26bda00c1d2bd872adcca1e38b141b456120bd2b&timestamp=1758411383898
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Giraffinator
@giraffinator.base.eth
This makes me excited for the future 🩵 defi is nascent but it is already disruptive and powerful. Ethereum is also going to unfold in so many other creative new directions that nobody saw coming. I love it to infinity.
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Meme Man pfp
Meme Man
@mememan
Just curious, what do you consider to be the current (and/or acceptable) “Tail risk” for smart contracts? Even a 0.05% chance per year in TradFi warrants a credit downgrade, so ideally that risk should be hedged/insured somehow
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KarlaGod pfp
KarlaGod
@karlagod
Hi @vitalik.eth, glad you mentioned this, did a video on how Low Risk DeFi starts with SaveFi. Give me your thoughts 🤔 https://farcaster.xyz/karlagod/0x24bd8f85
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Degen Karl pfp
Degen Karl
@degenkarl
aave?
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beebeehem pfp
beebeehem
@beebeehem
Low-risk DeFi could be the surest way to bank the unbanked and also encourage institutional adoption of crypto by encouraging banks to move their operations onchain. The users will have access to better yields and much better asset management services, all at low risk. I think this in a way aligns with Vaulta's ideal of web3 banking and onboarding the next billion users from TradFi onto DeFi.
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Sabretooth pfp
Sabretooth
@sabretooth
So to sum up, low risk defi is pve rather than pvp
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Scrapyacid pfp
Scrapyacid
@developersteve
And yet again the question must be asked on exactly how decentralised running on centralised infrastructure is achieving anything other than paying AWS and the other centralised clouds.
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Adrián pfp
Adrián
@calbusnes
Agreed. I just don't love that USDC and alternatives are the focus. Wish there were low risk options for other currencies or even ETH. You could argue that's staking I guess.
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superthing.base.eth pfp
superthing.base.eth
@superthing.eth
Let that sink in
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Andy pfp
Andy
@andycrane.eth
Low-risk DeFi could be for Ethereum what search was for Google — the killer use case that makes blockchain simple, safe, and essential for everyone
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