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Will any achieve that until they become to big to fail?
I'll be as blunt as I possibly can be. I don't believe that blockchain tech is capable of supporting a true decentralised DeFi service that has minimnal risk of failure. Not without operating as a centralised bank to some extent.
Bancor are payiong 17% returns on staking BNT at the moment. Do you honestly think that Bancor is being used by enough customers to generate transaction fees to pay out 17% APR?
Basically I've yet to see a DeFi project that isn't more vulnerable than a bank.