DEFI

shawman123

it does not matter unless these integrations lead to huge revenue or something. I see altcoins publish news about various stuff done on DEFI and elsewhere but it does not move any needle. AAVE infact has 33B+ in TVL and we can see revenue/fees locked and still has not moved. Minus Bitcoin this cycle has done nothing much. Even Ethereum is below last cycle high. Era of alts are done I think.

mjmitche

Why do you see ETH dying off? Bitcoin doesn’t have the utility to support things like stable coins and DEFI. Curious what you think would replace it?

LargeSnorlax

[One of maybe 25ish wallets](https://i.imgur.com/ajrWHDI.png) 5 digits this year for it, so probably nearing 100k in total DEFI/Game wallets rack up the transaction numbers

jaskidd05

You can get a loan and use it as a collateral, apparently soon on big institutions (Jp Morgan for example). Using DEFI rates are 3% to 5%

LastImprovement7586

Celsius failed for the same reason many fraudulent companies fail. They had bad management, didn't keep adequate reserves, and mistreated customer deposits. One bad company doesn't discredit an entire sector. Besides, I feel like people in this sub are only focused on the DEFI side of my argument. I think crypto will stay in a bull market because of Traditional Finance more so than DEFI or, more accurately, a combination of both. Asset backed lending from traditional finance allows for people to borrow against crypto assets at low interest rates. Margin loans that allow people to leverage against the portfolio value of IBIT in order to buy other assets like stocks, bonds, etc.. Why sell BTC to buy a home, for example, if you can just borrow against BTC at a lower interest rate then you would get in a Traditional Mortgage. Debt runs the world more then the underlying currency of that debt does. More people using BTC backed loans, means less people selling BTC. This leads to a shrinking supply of BTC available for purchase and, thus, a rise in value.

LastImprovement7586

I know it's not DEFI. That's my point. IBIT has $64 Billion dollars in Bitcoin under management. I never said that crypto wouldn't remain volatile. Crashes happen. The only question is how long until price recovery. I believe the bear markets will be shorter and shorter much like every bear market in the stock market for the past 20 years has been shorter then the bear market that came before.

StatisticalMan

None of that is defi. The D in DEFI is decentralized. That is just standard very centralized asset backed financing. However it won't stop a crash. I mean borrowing against stocks has been an option for a century now and when the stock market declines people sell.

LargeSnorlax

[One of my dozens of wallets, not even the most active one](https://i.imgur.com/ajrWHDI.png) - No DEFI or microtransactions on this I might have a problem.

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ewinggaming

where do you live bro? you can stake BTC on exchange or DEFI LOL

Pokerrrr2-FreeRolls

ALT COINS - RWA’s, DEFI’S, others

magus-21

> well it’s not equivalent Yes it is >i have no authority to give financial advisement as it’s literally a personal opinion. Banks in spain had such authority and they fucked up. I would agree with that. But your "personal opinion" is still wrong. AAVE is not as safe as banks. > higher APYs in most DEFI lending protocols don’t evidence higher risk Yes, they do. > they just evidence a higher demand in the borrowing market. No, they evidence higher risk. >They have even lower APY than traditional lending when the market is calmer and that also doesn’t mean they have less risk. Yes, it does. If there's less demand it's because not many people are borrowing. Which means people are taking less risks. Which means the borrowers are not very risky borrowers.

Kike328

well it’s not equivalent, i have no authority to give financial advisement as it’s literally a personal opinion. Banks in spain had such authority and they fucked up. higher APYs in most DEFI lending protocols don’t evidence higher risk, they just evidence a higher demand in the borrowing market. They have even lower APY than traditional lending when the market is calmer and that also doesn’t mean they have less risk.

magus-21

>Sir, I don't think you understand DEFI. This is in no way, shape, or form traditional finance. Risk is a given. I understand defi more than anyone on this thread promoting it. > This is in no way, shape, or form traditional finance. Risk is a given. Yes, it's a given. And it's high.

defiCosmos

Sir, I don't think you understand DEFI. This is in no way, shape, or form traditional finance. Risk is a given.

vattenj

BTC unfortunately does not have DEFI functionality by design. Sell your BTC for ETH on coinbase, then send ETH to Railgun to protect your privacy, then you are in the world of DEFI

here_we_go_beep_boop

OMG lol it really is just a landing page. Is this the best you can do? Where are all those amazing apps that your shill-in-chief talks about in the advertisement sorry I mean serious tech news article? The article that quotes exactly one person, the shill-in-chief! I even tried clicking on the paid plan thinking you might ask for a credit card (DEFI), butntheres actually nothing behind the buttons 🤣 Lemme guess, you vibe coded it with your own platform? Stop already, my sides hurt!

JustStopppingBye

Its like youre living in LA LA land still. No one is competing with Chainlink. Theyre working with the US government and all the biggest global banking institutions lol Not sure why I need to keep explaining this to you. Theyre the standard. >which gives xrp smart contracts so get ready for xrpfi WOW! Except theyre 5 years too late and everyone moved on. XRPL is ranked 50+ in DEFI TVL, let me know if they ever break the top 10.

Perfect-Phase-5977

You should have received at least a million upvotes. You are 1000% correct. I’ve written an article on that. That said, I don’t know what will happen at the end of Trump’s term. Right now, if you take the time to learn about Web3 DEFI, the sky is the limit. You don’t have to be the son of a president to make a decent amount of money. Knowledge is power. JUST STAY AWAY FROM MEME COINS

Famous_Collection_77

Given the projected depreciation of the US dollar, borrowing stablecoins (or dollars) against STRONGER currencies/store of value creates an arbitrage opportunity. For example, I can buy bitcoin, borrow a stablecoin using my bitcoin as collateral in an overcollateralized loan say at a LTV of 50%, and then use the increase in value of bitcoin to pay off the loan, while at the same time my USD denominated loan is depreciating. So if bitcoin goes up by 10% in a month, while the USD [depreciates 11% as it did in the first half of this year ](https://www.morganstanley.com/insights/articles/us-dollar-declines)well do the math and you will see that I use the gain in btc to pay down the loan at a discount. When the price of bitcoin drops I buy more and add it to my collateral, and if it goes sideways, I let the loan ride. I try to keep the LTV around 50-70% so that I don't get ambushed by daily/weekly volatility. FYI stablecoin loans are in the 2-15% APR range on various DEFI platforms, so this is a great way to build/preserve capital while paying down higher interest credit cards, car loans or mortgages. Stablecoin loan rates are variable, but the nice thing about using blockchain is that I can switch in and out of positions in a few minutes. If you watch the stablecoin markets there are all kinds of opportunities to move your loans/collateral around to respond to the best rates. The fees for doing so are often less than $.50 per transaction. On some blockchains they are less than $0.01.

Reasonable_Band1536

Watching it reach $100,000 after learning about TRADFI a couple of years ago and then reading all about it and unlearning about TRADFI and relearning all about DEFI.

RandomPlayerCSGO

80% or your capital equally distributed between BTC, Ethereum and Monero, which are the leads of the 3 most important crypto use cases: Store of value competing to become reserve asset for central banks and legal entities, Smart contracts and DEFI, and free market/black market activity. With the other 30% of your capital you can buy solid alts like link, bnb, fet, etc. I also recommend having stocks, if you are starting to invest from 0 and you are young a 50/50 stock and crypto porfolio is pretty nice in the long term

Dense_Introduction_3

Turtles everywhere, DEFI 2.0 is here

Arijan101

>metaverse Riiiiight...I totally forgot about that one. And yes, it was huge back in the day. Added up to nothing (naturally), just like DEFI, but it was indeed a huge narrative. You have to give it to the crypto bro's, they can sure make up a good story. Heck, some of them would put even J.R.R.Tolkien to shame. In a few years from now, people will be reading bed time stories to their kids, and they'll be like: Kid: "Mommy, mommy, can you read the story about how decentralized finance and the meta verse brought about a new golden age for all human kind?! Please mommy!" So yeah...credit where credit is due.

Arijan101

😂😂😂 Yup... Let's not forget about the AI narrative, probably they'll also try squeezing out whatever juice is left in that one as well. Technically this could fall under the "crypto tech"narrative but I believe it's worth a separate mention because it's currently THE hottest narrative in crypto, like DEFI was last cycle. 🫏

LegendaryJohnny

Is there any buzz word for crypto this season even? 2017 it was STAKING, FORKING and ICO. 2021 was DEFI, ETF, DEX. 2025 - ? - just throw money, wait for Trump tweet - lose your money...

PickleGrouchy1821

They are converted via DEFI, which don’t report to Uncle Sam.

uncapchad

Hmm, banks don't like **stablecoins**. Until very recently, in the US, banks were not allowed to custody Bitcoin (I think it is similar for the EU). US originally required banks to reflect Bitcoin as a liability on their balance sheets, SAB 122 changed that. Banks are expressing significant concern over the potential for **stablecoins** to drain over $6 trillion in deposits from traditional banking institutions. GENIUS Act bars stablecoin issuers from paying interest but allows cryptocurrency exchanges to offer rewards on stablecoin holdings. e..g Coinbase launched an up-to 10.8% yield on USDC through DEFI liquidity pools

ForeverInTheSun82647

Smart money is in it now. It’s no longer DEFI.

LargeSnorlax

Well, since the long term viability is nothing, probably nothing, Let's be real here, this was never actually a thing, other than to dump on retail. Trump based "DEFI" is not and never will be a thing. Trump is the most centralized money guy ever. Think to yourself for just a second - What would this token do other DEFI doesn't? Nothing, right? So other than to enrich the people who bought the presale (like Justin sun), theres literally no point in interacting with this.

Swerve99

For self storage i have an airgapped hardware wallet. it has two functions… receiving assets i have bought and sending assets back to exchange to sell. for interacting with DEFI protocols i use a popular hardware wallet and interface through metamask because its just what im comfortable using. i always revoke all permissions after using any sort of protocol or smart contract.

coojw

There are lenders that do btc only lending. Most of these are not apart of the traditional financial system, but some are. The vast majority of these are lending platforms in DEFI. Coinbase offers the option, and I personally use LEDN.io. You need to do your own research on who you would ultimately decide to go with. Also considering waiting a few years before doing it to allow the offering to mature. You’ll likely find more offerings at that time. The most important takeaway is that you should never sell your bitcoin, because you can borrow against it instead, and every time bitcoin goes up in value significantly, you can usually refinance and borrow more. Since btc goes up against the dollar because of debasement/money printing, btc should go up forever against the dollar with time.

breakboyzz

The news article is framing it as desperate, not true. We could care less, everyone at Cardano really cares about bitcoin DEFI right now and we aren’t desperate about that either as we know it’s coming.

Conscious-Map-4633

Avoid centralised exchanges and move to decentralised exchanges trader in DEFI 🫡

transfermymoons

I tried something like that once.. Celsius... and that was enough to put me off anything lending, whether DEFI or indeed centralized. Maybe.. maybe when regulated and government insured Bitcoin bank loans become a thing, until then I'll stay clear of it.

Lega17

Crypto rotates into different sectors. MEME/DEFI/A.I. is the way i think its going to rotate.

GhostOfKryptoX

Cardano ADA, for once Charles is actually delivering. The Bitcoin DEFI bridge will be monumental IMO.

Arijan101

I think the AI hype in crypto is gone just like DEFI in its day.

PastaKingFourth

Yeah I agree with this narrative. It's the era of DEFI and RWAs with tradfi moving over to crypto so this will explode Ethereum and other coins related to that niche.

Salt-Device-6172

Personally never used the DEFI methods but lmk what you end up using if you like it I’m curious

Salt-Device-6172

Leveraged ETFs on Robinhood or sketch DEFI apps

coojw

We aren’t talking about bank loans. On a sliding scale, we are talking about specific crypto institutions on one end, and DEFI on the other end. Neither of these operate like traditional banks. Especially when looking at defi, there are no limits to the price points this can be done at. Traditional finance alternatives will be much more strict. To your other point concerning asset depreciation. Depreciation is something assets in a dollar based system have to contend with. This is due to the debasement of the currency. Bitcoin doesn’t suffer this problem because its supply is finite. As a result, Bitcoin will always go up against the dollar over the long term. To be safe in the short term with volatility, it’s best to not over leverage, and to keep some extra collateral ready to cover your stack ready to deploy.

Expert-Detective-525

its in that Ken-Du mentality, it has gathered some of the hardest workers in DEFI into one project. It is infectious and relentless

Necessary_Spring_425

Maybe ETH, but honestly i dont believe buying altcoins for price gain is good strategy long-term. Just dive into DEFI, understand how projects behind good coins work and you will understand why. Its all inflatory governance coins. There still will be people who hold them, not sell them and make money from that, but its not people who bought them on CEX with primary hope to be price gain...

wpjunky

Even though it's only a fraction of 1% of my entire portfolio, NEO is the project I interact with the most. I felt like I wanted to play around with DEFI, but the whole impermanent loss of pools kind of freaked me out and I didn't want to manage that risk. But NEO's Flamingo Finance has a fund (formerly FLUND, now FLOCKS) you can basically invest in and and receive weekly dividends that is a portion of order book trades and other things. I just wish more users used the chain because right now the value of FLM/FLUND is really out of whack. I think it should be 1:1, but it's not right now. 🫤 Other than that, I basically open my wallet every day and collect GAS for nothing more than holding NEO in a wallet, and have been swapping it for (free) ETH from time to time. Oh, and even though I can't do much with it, I was able to get my <first-name>.NEO for cheap (from free GAS), whereas the individual squatting on my .ETH name wanted something crazy like 20 ETH. No thanks. ☹️ If NEO went to zero it wouldn't be a big deal for me financially or anything, but I do hope it see a resurgence one day just because it's been the least intimidating environment for me to play around with in the cryptosphere.

Decent-Vermicelli232

Trying to chase yield on ethereum DEFI is a terrible idea!!! That chain is an open ledger and you will get caught. Try instead, realizing there is only one true solution to your yield woes.... ZEPHYR PROTOCOL!!!!!

VisiblePlatform6704

I don't understand why people keep going CEFI after all that has happened.   When you can  do the same in aave,  compound and other reputable open source DEFI Apps... why go CEFI? Nexo is another FTX waiting to happen. 

BDSMastercontrol

XRP is cheaper, faster and more decentralized XRP Invented DEFI, having the first DEX and stablecoin back in 2012, built into the layer 1 protocol itself. Back before DEX's or stablecoins were even terms in the space. Nothing moves value from A to B faster or at a better rate then XRP. Now you might read that and go so what you can go wallet to wallet, but you misunderstand what im saying when I say Value. XRP has ILP and multi bridge currency swaps built into the protocol. You can setup your wallet so that all incoming payments get automatically converted into whatever you choose to hold. Dont wanna use XRP? No problem have incoming payments get swaped into USD and BTC 50/50. How about you want to hold some stock? no problem re-allocate 10% of all incoming payments get converted into the stock of your choice, or bond, or Oil, or Gold/silver. All of which are traded on the XRPL atm. XRP allows you to Transfer, and convert Whatever you have that has Value, and pay someone who might not even accept that form of payment and they get whatever "value" they want to receive. That is the power of moving Value from A to B. It also has many other advantages/utility. Firstly its Deflationary, so Unlike BTC (which is dis-inflationary) or ETH (which can be inflationary or deflationary depending on the time of day) XRP is always getting destroyed. XRP is immune to 51% attacks. The system is designed to be very resilient and strong, so much so that the concept of a 51% attack, isnt possible on the XRPL. Network validators arent directly incentivized. Since Validators dont earn a fee for doing the work required to uphold the network (like in BTC for example where Miners earn a Fee and can censor users from their block if they so chose to) the XRPL says the best incentive is no incentive, There is no dictator of the block like in BTC. Nobody wants to gain control of the network or even attack it because there is no reward for doing so. The people who value having a strong decentralized network, pay to run the network and build their business/operations off of it.

wjean

I'm not sure I understand your issue. You want a wallet that is mostly offline, yet you also want to interact with DEFI. Whatever you do, do not keep all of your assets in the same wallet when interacting with any smart contract. The Internet is full of aob stories where someone signs a contract that misrepresented itself and comes back later to find all of their assets have been drained. If that's what you are trying to prevent, the only solution is to take some asset of value from your cold wallet, move it into a new wallet, and then interact with the DEFI from there. This way, even if your new wallet is compromised, the other assets remain safe. This still won't stop a scammer who does a rug pull (exploiting some issue in a liquidity pool that drains it of assets leaving everyone who was locked into the pool in exchange for some promised yield hold an empty bag). It's the wild West out there. Good luck.

BTCdad77

I wouldn't buy Bitcoin to make some money and then cash out. If you just want to make money during this Bitcoin run buy low market cap Bitcoin stocks like $DEFI, $CBIT, $NDA etc. and make your fiat there. Bitcoin isn't the thing to buy and sell like stocks.

QuantumBurritoz

Because people can't use it yet, lol. SC roll out in 2 weeks. That opens up DEFI, Stables w/ MEV resistance, and a slew of EVM apps. There are a ton of apps already live on the test net. Did Solana have a ton of users before it launched?

Sun_god25

Yes he could, but would have to do it in DEFI so it could be kept under wraps

LocationOne2079

1. Kaspa is the World's first blockDAG cryptocurrency. Parallelization. Multiple blocks are mined every second. Zero orphan blocks rate. No waste blocks therefore it is super energy effecient. 10blocks per second allows DECENTRALIZED mining. It encourages Solo Mining rather than Mining Pools. 2. Fair-launched, Fairly-disttibuted supply, no pre-mined, no dev funds, no preallocation of supply. 3. Fixed Supply, a great Store of Value, cannot be debased. 4. Founder is Yonatan Sompolinsky. Everyone knows this guy. The first person to release security analysis on bitcoin and its scalabilty limitations in 2012. He's also the author of Ghost, Spectre, Phantom, GhostDAG and DAGknight protocols. These protocols are the foundation of almost all cryptocurrencies you know today including ETHEREUM. He's the OG. He is cited in 100+ papers including Google. 5. Very Low Node Requirement. Anyone can run their own node. Decentralized Node Distribution globally is the key. Even an old 100$ device can run a node. 6. Extreme Low Gas Fee. Gas fees are maintained extremely low due to its Blocks Parallelization nature. No pending blocks. No mempool drama. 7. Speed and Scalability. 1 second non-custodial transaction speed. Can be use to buy coffee or groceries. No more waiting transaction settlements. Many Merchants worldwide already accepting Kaspa for payment [List](https://kaspa.org/all-listings/). Its also ready for Global-scale transactions due to its blockDAG parallelization. 8. Smart Contracts, Layer 2s, DEX, DAPPS, DEFI and stablecoins are launching in 2025. They're already in progress and public testing.Kasplex [kasplex.org](https://kasplex.org/) and Igra Labs [igralabs.com](https://igralabs.com/hero) built ZK EVM compatible based rollups. And Kaspa Eco Foundation [KEF](https://www.kaspafoundation.org/#/) for attracting builders. 9. Zealous Swap [zealousswap.com](https://www.zealousswap.com/) is the first AMM DEX on the Kaspa ecosystem, offering an innovative NFT-based fee system, protocol-owned liquidity, an insurance fund, and a modular fee engine to optimize trading and capital efficiency. It is already in public beta testing stage. It going to launch in 2025 along with Kasplex L2s and Igra Labs L2s 10. Kaspa Industrial Initiative Foundation [kaspa-kii.org](https://kaspa-kii.org/) is advancing Kaspa into real world through industrial and enterprise applications. These includes Smart Grids Technology, renewable energy projects, energy trading platforms, cross-border payments, RWA Tokenization, Supply Chains, Decentralized Finance and StableCoins. Visit [kaspa.org](https://kaspa.org/), [kas.fyi](https://kas.fyi/), [kaspalytics.com](https://www.kaspalytics.com/), [kaspa explorer](https://explorer.kaspa.org/). More documentations and educational materials in twitter [link](https://x.com/search?q=%23kaspa&src=typed_query&f=top)

Alskiessss

LRC was my gateway drug to DEFI and boy did she mess me up

pickleBoy2021

Lutnick and his firm bought a stake. What was the point. $200 billion rehypothicated across CEX, DEX, DEFI and the chains. Going to interesting g see that money convert and exit out.

Stray14

Crypto is a scam, been here since 2016. The one / two only are BTC / ETH. There are a few others that are beginning to show value. Oracles and DEFI are catching on. It’s a majorly risk on / unregulated / grey area space. Doors are open for all. Scams are rife.

ronchon

Sorry! With an EtF you depend on your broker, the exchange where you bought it, and the actual ETF manager. Many things can force you to sell, like the specific exchange delisting your etf, you wanting to change broker, etc... with all the tax implications that comes with it.  You dont have custody of your etf share and its hard to transfer it, its enclosed in the specific context you used to originally buy it. Gold tokens solve many of these issues and simplifies the product with less intermediaries. You also have 24-7 liquidity. And you can use it as collateral for DEFI loans etc...

Mirved

it was also about innovation. Things like smart contracts, NFTS, DEFI. Litecoin has none of that.

FusterClutch

The thing about alts is they underperform 95% of the time until the bullrun starts and then everything from memes to layer 2s to AI, GAMING DEFI, RWA all go parabolic and THEN you're 30-50% gains on bitcoin will look miserable compared to sui doing a 5-10x from $2 or ethereum going from $1400 to 8400 for a 6x, and memes like pepe flying off the lows. Although memes may be stupid the top memes are almost guaranteed to go huge during times of peak euphoria. But by the time the market is frothy and everything has exploded and you're feeling fomo and try to get in it'll be too late. You need conviction and understanding of how the crypto markets work if you want to profit off alts. If you're just a casual investor then bitcoin, eth, xrp, solana and that's it. Maybe sui as well as a solid layer 1. It's important to understand psychology as well. Media will manipulate news headlines to sideline you and then give you fomo to buy at the top. Retail gets psy opped every single time like clockwork and then the normies call crypto a scam when they just tried to play a game they didn't understand. Study. Generational wealth is available if you learn how to navigate this next 6-9 months

craly

If this is the biggest usecase that has come out of DEFI so far i don't want to be part of it. https://i.redd.it/jwjwbk4z966f1.gif

craly

>Beyond that, None of them have found anything resembling product market fit or any sustainable usage. Both of them are largely the same as they were before. Or at least they are being used almost in the entirely same manner and to the same degree. Meanwhile, the rest of the industry started to adopt defi, stablecoin payments, and new tech stacks. Stablecoins became the killer app of crypto and the trojan horse of the RWA trend. Sub-second block times and sub-cent fees became the new goal for any chain. It was always the goal for Nano to stay as a pure currency. Every update in the Nano Protocol has been made to make it the most efficient peer to peer currency. Adding smart contracts and DEFI support would just bloat the ledger and take resources away from being a pure currency. Personally i think smart contracts and DEFI platforms has been pretty underwhelming. People keep hyping them up saying it will revolutionized the web, but so far we have only seen people using DEFI platform and stable coins for gambling on FARTCOIN on a dex and then exit into a centralized wrapped version of fiat, just to gamble on another MEMECOIN. The goal is to exit crypto market with as much fiat as possible. Don't think there is much overlap with people interested in Nano and people interested in stablecoins. Nano has a fully distributed supply since 2017 and its meant to be its own currency to get away from cenralized fiat who can just print money at the cost of its citizens, nano is mean to be decenralized digital cash, were everyone who got some Nano is able to participate in concensus. > So, the way I see it is both Cardano and Nano are on a slow road to irrelevance unless something changes. Whenever they are spoken about positively, it's almost *always* about a quality that they have possessed for many years, and rarely if ever is it anything it's currently doing. And if it's had those qualities that you think are so great, for so many years, then at what point do those qualities actually materialize something beneficial like actual demand/usage? At what point do you resign to the idea that you might have overvalued those things? And if you're going to respond with something as reductive as "the market just hasn't realized it yet" then at least try to explain how that could possibly happen, as if this subreddit possesses research capabilities beyond what the public can fathom... I think if we keep trying to educate people about Nano and its use as a currency that it might have positive price action again, especially if digital cash narrative starts to play out again, because why not use to crypto with fastest settlement time, zero fees, fully distributed supply and decentralized. Why settle for something less efficient when Nano exists? SO yeah, Nano is never going to do something "new" its only going to try to improve as a currency, as it is designed.

bananaguard36

You can also find other DEFI pools / services, for example you can leverage your liquidity, take out a USDC loan on your Bitcoin, but there's drawbacks no matter which way you take it. For example if you enter a loan contract with one of the DEFI liquidity pool services/companies and BTC price drops you'd have a very limited window to bring your LTV ratio back into acceptable boundaries or risk liquidation. That means you'd have to go buy more Bitcoin and quickly send it to your contract or you lose everything and still owe them money.

Ill-Chemistry9688

I would agree with your analysis. BTC is the truly fully decentralized asset and historically has been the pillar of crypto. For safer bets yes all in on BTC but lower returns compared to other lower cap assets. I guess it’s the time horizon someone has, always hold, BTC, cash out at some point, then depends. I’d be always holding if I can figure out a way to generate passive income from this locked up assets in a SAFE way eg DEFI (not deep)

thuishaven

Only real use case is DEFI with RWA one promising aspect

Numerous_Ruin_4947

ETH staking returns are currently below 3%. And the dollar devalues more than that. ETH staking alone is not sufficient. ETH also needs to perform within 3% of BTC. Otherwise, why bother holding ETH at all? My assumption was that ETH would be a great store of value. That's the main use case for me. I don't care about playing in DEFI - I have other hobbies. ETH needs to go up in value. If not, then I am better off holding something like BTC. Time will tell. BTC has a security dilemma in the not too distant future.

StrikeGlum8160

Crypto labs research and Jake call - definance are really good content creators on YouTube in the DEFI space. A lot of people will preach down on LP and different protocols, but it can be VERY profitable with safe sound strategies. I can believe it.. I mean, shib made millionaires. Doge made millionaires. Those are memes that were legit. So I def get it! Best of luck to you on your journey bro!

StrikeGlum8160

Why degen memes when you can cash flow blue chips via DEFI?

CapitalIncome845

So Bitcoin DEFI?

dak4f2

On March 25, 2025, the Trump-affiliated crypto platform World Liberty Financial published its own stablecoin, USD1. Before the 2024 Election, the Trump Family launched their own crypto business, World Liberty Financial. What this business does is not entirely clear, but their stated goal is to make America great again by driving the mass adoption of stablecoins and to bridge traditional and crypto finance. They have stated their intention to create a blockchain-based "credit account system" to decentralise lending and borrowing and extend lines of credit in various digital currencies. At this stage, WLF has only sold governance tokens, accumulated a portfolio of other tokens, and had a limited launch of its stablecoin offering. However, WLF may provide services similar to those of an investment bank, like Charles Schwab, for the crypto space in the future. The leadership consists of Donald Trump Jr., Eric Trump, Alex, and Zach Witkoff (sons of Steve Witkoff) and their friends Chase Herro and Zachary Folkman (who have a problematic history in the crypto industry). Donald and Barron Trump hold the flattering but unofficial positions of Chief Crypto Advocate and DeFi Visionary, respectively. World Liberty Financial claims to be a 'DeFi' platform, meaning it is decentralised. In the crypto world, decentralised organisations are not run by a central authority like a board of directors, but are democratically run by those who hold governance tokens (the crypto equivalent of voting shares, kind of). Some organisations are called DAOs (Decentralised Autonomous Organisations), in which token holders vote on proposals (with their votes being recorded on the public blockchain). These are then executed by smart contracts that follow preprogrammed rules. You don't need me to tell you this, but World Liberty Financial is not decentralised. It is, in fact, a Delaware non-stock corporation owned and controlled by WLF Holdco LLC (which holds $22.5 billion worth of $WLFI tokens), which is owned by DT Marks DEFI LLC, a Trump family business. While they offer governance tokens ($WLFI), real power is concentrated. The $550 million worth of governance tokens sold so far allows holders to vote on some proposals. However, most of the tokens are owned by Trump organisations, and the outcome of the votes does not need to be honoured. All significant decisions are made by DT Marks DEFI LLC, Axiom Management Group (AMC), and WC Digital Fi LLC. Furthermore, these tokens do not confer ownership rights or a share of WLF's revenue. Instead, WLF retains $30 million of the revenue for operational expenses. The remaining revenue is split with 75% going to DT Marks DEFI LLC (the Delaware based company owned by the Trump family), 12.5% going to Axiom Management (a Puerto Rican based company owned by Chase Herro and Zachary Folkman), and 12.5% going to WC Digital Fi LLC (owned by the Witkoff family). $550 million worth of WLFI tokens have been sold. At this stage, they are not transferable. However, it has been suggested that this may change in the future. A separate concern is who owns these governance tokens. To avoid SEC registration and oversight from the CFTC and Treasury, $WLFI was initially only offered to those on a white list of non-U.S. persons and accredited U.S. investors. This means that most $WLFI holders are not from the United States. Justin Sun, the owner of the crypto company TRON, who was facing SEC Fraud charges before they were recently dropped, owns $75 million worth of $WLFI and is an official advisor. Recently, the United Arab Emirates pledged to do $2 billion in business in USD1. Mr Witkoff, Mr Folkman and Mr Herro met with the Prime Minister of Pakistan, Muhammad Shehbaz Sharif, and other Pakistani officials to discuss World Liberty Financial. Zach Witkoff has openly said that World Liberty Financial is targeting the business of sovereign investors and major institutions, intending to integrate WLF's stablecoin, USD1, into their strategies for cross-border transitions. In April 2025, an Emirates-based crypto market maker, DWF Labs, accused of market manipulation by the Wall Street Journal, purchased $25 million worth of $WLFI tokens in a private deal and agreed to provide liquidity for an upcoming "USD1" stablecoin launch. On March 25, 2025, the Trump-affiliated crypto platform World Liberty Financial published its own stablecoin, USD1. USD1 already has a market cap of over $2 billion. The top four fiat-backed stablecoins, in order, are USDT (Tether), USDC (Circle), BUIDL (Blackrock), and USD1 (World Liberty Financial). The reserve funds for the stablecoin are held by BitGo, a digital asset trust invested in by Crypto Csar David Sacks. Currently, USD1 is issued on the Binance and Ethereum blockchains, with 99% of its supply coming from Binance. Binance is a Chinese blockchain run by a Chinese company fined over $4.3 billion for money laundering.

JustStopppingBye

>There are 10 competitors now who all provide price feeds. And only price feeds lol Would you rather use the [wormhole](https://www.reuters.com/technology/crypto-network-wormhole-hit-with-possible-320-mln-hack-2022-02-03//Pyth) and [pyth](https://crypto.news/cetus-protocol-hack-sui-exploit-full-breakdown/set) up? lolT heyre also slowly losing market share. Pyth just lost a huge chunk now that chainlink CCIP went live on Solana. Chainlink controls 68% of DEFI and everyday they absorb more. [https://defillama.com/oracles](https://defillama.com/oracles) >Chainlink is basically pivoting out of being an oracle and is now focused on CCIP Wow thats a new argument ive never seen before. But yes becoming a middleware interoperability layer for the entire Web3 and enterprise blockchain ecosystem is a pivot LMAO!!! >CRE (which is interesting, but not really related to their core design. JP Morgan and DTCC finds it pretty neat. >I'm just objectively saying that they don't have revenue I think you mean profits. >I hope they do finalize their POC with SWIFT and actually build something cool. I think I provided enough evidence to prove this will happen. A [Swift.com](http://Swift.com) announcement followed up by a live interview of a Swift rep saying its going live.

Mantis-Prawn

On the EURO chart there is a sweet Golden Cross forming today. As the 50d MA is currently touching the 100d MA. As lately EUR has been performing more stable than USD, I expect some positivite volatility! Unfortunately this post was already flagged (and removed) due to "markets"... What a subreddit, unbelievable. While we are changing the world by becoming DEFI MAXI's, a small group of mods is deleting the majority of our posts on popular subjects... But hey, they may take our freedom of speech, they can never take our Bitcoin!

Connect-Cycle-8850

I’m here in crypto cuz I love DEFI

Thin-Animal-6704

Yearn great DEFI use case but also low supply.

asselfoley

Yeah, in my view, that's been pretty well settled. I find it somewhat amusing to see talk of "advantages over BTC" as a talking point in 2025. I stumbled into a sub, maybe KDA, where such things were being discussed Blockchain is about far more than just "payments" or "store of value", and the other uses have hardly even begun to be used. DEFI is the most "matured" use case, but even that's still a fully financial use case. The "currency" in "cryptocurrency" isn't necessarily limited to pure finance. The "unit of account" definition of currency means more than just payments for their own sake

otakudiary

You’re looking for BTC 1 million in 5 years. If that happens then the 450k house will be worth a lot more. There are other plays in crypto that can give easier 10x‘s in my opinion. Maybe mess with DEFI or altcoins. Half btc and half random moonshot plays.

DifficultyMoney9304

One it's not niche like you say, two it's the largest exchange token which has token holders earning revenue for exchange fees in proposal and its DEFI. If defi catches the narrative again uniswap will go bananas. It literally was at 19 bucks like 4 months ago. It'll hit 100 if eth starts to catch a bid and alt season begins as I reckon it will.

diomark

DEFI - that's where the real money is at. but sentiment needs to shift first / bitcoin dominance needs to stabalize back down. it's happening, i've been feeling the shift over the past 2-3 weeks.

thistimelineisweird

What strange universe is this where I'm agreeing with Eric Trump? Crypto does feel like a Kodak, Xerox, etc. kind of moment. A better technology exists. Banks would do well to get on the train rather than stick to their archaic systems. Yes, yes, I know many people here are anti-bank and all about self-custody, DEFI. But let's be honest, traditional banking as an industry isn't going anywhere.

otakudiary

You borrow against your bitcoin and earn enough money in DEFI to cover your daily expenses. then you can quit.

Expert-Detective-525

Kendu is bridging DEFI and IRL so well. For a coin around 12 million to have all these IRL intiatives is absolutely outsanding and preposterous. The Kendu Wave will be talked about for years

otakudiary

I’m retiring w/1 btc, will let you know how long it lasts. i’ll throw it in DEFI for sick gainz

Kike328

but it cannot parallelize transactions when they are 1 to many, for example DEXes and many DEFI, that’s the main limitation of hydra with eUTXO

Kike328

hydra works properly, just not for DEFI, because the eUTXO limitations

Kike328

charles, where’s the scaling you promised so long ago? your blockchain is a desert for DEFI because the scaling issues

JohnBITbigcoin

Bitcoin already has a know. fork to protect and make it quantum proof do yes it will and also it is upgradable as new threats come available. Where the wealth is is where the network will be & bitcoin has too much riding on its back already, I kniw most ogs like me dont agree but I have been in xrp since a dime and enjoying my 23-36x so where so many banks use and now defi is live on it i di believe the coins will be as follows. BITCOIN Ethereum Xrp Solana LINK SUI ENS *( 30 YRS) UNI,AAVE,COMP DEFI LP / YIELD BNB i believe after a crazy dip when it becomes more decentralized will still be around & kinda took over where neo fell I do believe that we need a couple strong privacy coins & lite coins could take this niche

DifficultyMoney9304

It literally has hundreds of billions of raw stablecoin value stored on the network + around 50 billion of crypto stored on the network all mainly used for staking as validators on the network or DEFI protocols etc. Hardly has any utility though. We are still so early in terms of this technology being used extensively. Just remember it took the internet over a decade to become publicly highly used. Blockchain tech is approaching that decade mark excluding bitcoin.

DifficultyMoney9304

Eth is a smart contract decentralized network that i beleive will have future use cases outside if the current DEFI use case. Bitcoin does not have these abilities. They're not really the same at all. Bitcoin has the "digital gold" narrative running for it which is sticking as we as a society clearly value it despite its lack of actual use case. Similar to gold.

JohnBITbigcoin

I find it comical that noone utilizes defi which is the main attraction of crypto !! Let's become unbanned. to sit on bags of crypto !! If you git in at all time highs you could still be up if your crypto was properly managed & this is why I have a bright future in managing assets . The cryptosphere is the next horizon!! Contact me for 20-15000% returns and you can see by my active pools & smart contract addresses ... Look at liquidity on BEEFLY FINANCE *( GIVES ALL DEFI APY)

JohnBITbigcoin

You ok ?? Crypto is the best performing asset in history, the get rich over night people lose , it's in everything not just crypto , I been trading & investing in crypto since 2017 a d do not think anywhere other than half mil in voyager/Celsius losses , Every actual project invested in has yielded over 6 mil in now high yielding defi . YOU CAN GET 1500% RETURNS IN SOME DEFI , MY QUESTION IS WHY USE SACINGS ACCOUNTS WHEN SUI , UNISWAP , AERODOME, VELODROME FINANCE RETURNS 10-150000% APY ???

Kike328

ADA has no economic activity as DEFI is almost inexistent due to its inability to scale properly. Hydra and those things are not compatible with DEXes so projects are not deploying on Cardano

Expert-Detective-525

Yeh it is really great, all credit to Lorniko. Bridging DEFI to IRL is a monemental yet very difficult task but it will be crucial when attracting retail

biba8163

You seem upset because you fell for ETH memes. May I remind you that ETH is at January 2018 levels? It's kind of hilarious you were making fun of EOS being at 2018 levels in 2020 but it's 2025 and ETH is at January 2018 levels. > May I remind you EOS is still at December 18 levels? It kinda sounds hilarious https://np.reddit.com/r/eos/comments/iytvmp/aw_look_at_little_eos_just_being_eos_so_cute/g6iyizi/ Looks like you fell for the DeFI meme... > Ethereum and Eth-based DEFI projects will explode guys. Finance 1.0 is over. (2020) https://np.reddit.com/r/collapse/comments/ha0ccw/us_dollar_what_do_you_think_will_be_breaking_point/fv089ex/ Let me remind you that Trading Shitcoin tokens is NOT finance. DeFi is a bullshit scam narrative from the Summer of 2020. It's not neither decentralized and it's not fiance. DeFi is ScamFi: - Essentially a Shitcoin Casino. Leveraged plays, trading shitcoin tokens, earning yield on shitcoin tokens, providing liquidity on shitcoin tokens. NOT FINANCE - Every player like, MakerDAO, AAVE, LINK etc, is COMPLETELY CENTRALIZED - There are **no life financial products like life, home, health insurance, mortgages, home equity loans, car loans, personal loans without massive collateral, commercial loans, etc.** Again, shitcoin trading, yield farming, etc is NOT FINANCE. - Then you slap some scamified metrics like TVL based on scam tokens locked up to make gullible fools believe real capital is locked up instead of vaporware scam tokens.

rvonm

Cardano enabling Bitcoin DEFI (as well as other UTXO currencies). Put your money in both BTC and ADA and enjoy the rewards!

timbulance

DEFI FM 68.8 with Buzz Shipman.. listening to Phil Ledger - Cum On My Wallet

pitchbend

That's bullshit. Crypto and specifically DEFI has many successful protocols across many blockchains generating billions of value via fees and yields. Bitcoin is cool and all but ignoring DEXes, Uniswap, Hyperliquid and all the volume and fees (value) they create is moronic.

vattenj

The problem is no real life usage. Previously all ICO/NFT/DEFI etc is for the purpose of money laundering and hide trace of large transactions, but that usage is getting less and less possible due to stricter AML measures and smarter police chainalysis Bitcoin has a very clear value store use case, but to compete with that purpose is not easy, since any other coin would be considered an inflation in crypto world The world computer and smart contract, staking ability looks nice but still lacks real world application that really benefit from it. I think staking is a good use case, but the high capital requirement is a problem

simmol

Back in 2017/18, the ICOs and the excitement about extending the blockchain technology to every face of life was really genuine. Also, back in 2021, the DEFI, NFT, Metaverse, etc. all added to genuine belief that blockchain technology is becoming mainstream. I think there is nothing like that this cycle as everyone realizes that alts are pretty much not going anywhere. So while there will be some relief (similar to November of 2024) some point in the future, everyone will be looking to sell their bags this cycle. And as such, the alt season won't be as prolonged and big this time around and it will be the final alt season as alts are dead in the long run.

reed5point0

have not looked at Coingecko, but have been having a blast on Bull vs Bear [https://x.com/bullbear\_zone/status/1894127793342222513](https://x.com/bullbear_zone/status/1894127793342222513) I tried to share this when it first dropped, and everyone was like "GTFO I'm not connecting to that!" and I get it, it looks degen AF But it's actually powered by Mars Protocol on Neutron Here's a COSMOS founder even flexing their position of ATOM vs BTC in it. Sure it's Zaki but hey...it's a founder.. [https://x.com/zmanian/status/1902383085116616943](https://x.com/zmanian/status/1902383085116616943) It's such a novel concept, but easily one of the cooler apps in DEFI

IDGAFOS

How do you figure...? Crypto enables agents to have bankroll and participate in DEFI... How are they going to KYC anywhere else? It's the perfect application. Sure, the meme AI agents don't, but stating this is pretty ignorant.

Giuggiolagiratopa

There is no right answer, you should decide for yuor situation: 1. make DCA buying during the dips any amount you consider good 2. Buy everything now and put new fund until reach the Goal Nobody can say when the price will increase, but surerly FIAT supply is going to increse drastically, consider the new REARM EU act. Stay tuned on news and stacks as much you can. I personally advise DEFI exchange like Bisq make your own reserch how Bitcoin works and ask on **r/BitcoinBeginners info about wicth wallet use ect..** Rebember is never late to adobt a better new technology, the last time was yesterday, Now it's the second best moment.