Are DeFi yields still worth the risk in 2026?
I've been reviewing different DeFi protocols lately, and it feels like the ecosystem has matured compared to a few years ago.
At the same time, high APYs often come with higher risks:
- Smart contract vulnerabilities
- Liquidity issues
- Governance risks
- Market volatility
- Protocol sustainability
For those actively using DeFi today:
- What APY range do you consider "realistic"?
- Which sectors (lending, liquid staking, RWAs, perpetuals, etc.) do you think offer the best risk-adjusted returns?
- Have your strategies changed over the past year?
Interested to hear what everyone's portfolio looks like (without sharing anything too personal).