Defi is nice but I think most people only know about the ETH options. With the huge gas fees, I can't recommend them to friends or family. The other Defi options are all in their early stages so I hesitate to recommend them.

However I feel Defi has a ways to go and it will definitely be more mainstream as banks are considering it as well. Banks can create their own stable coin and incentives people to participate by giving them more interest. When a liquidity pool exists, fast transaction times are a benefit.

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