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Tbh I don't even see the risk to be that

problematic... Getting liquidated is a standard risk on every borrowing protocol. So nothing anchor specific. Ppl should know that before taking money :D And with the increasing Stability of ust a depeg is one of the least possible events. So what's the risk other then the baseline, which is crypto itself?
And when de yield reserve is empty earn rate will just decrease, but it'll still generate revenue.. It won't ever take your money :D

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I think the usual worry is that "everyone will take their money out without Anchor" as if the rest of the ecosystem had 0 value. Does it? Time will tell. That being said it seems incredibly common that people don't know what the yield reserve is, which is strange since it can be learned in a couple of minutes.

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