Lido's Ethereum staking matches traditional savings. But stETH adds composability—your principal stays liquid while earning.
Deposit stETH into Aave or Morpho, borrow stablecoins, re-lend them. Total yield climbs to 5-7% on risk-adjusted capital.
Pendle users who lock future yields into fixed-rate products can push returns to 14% annually. Trade optionality for certainty.
Traditional savings carry no liquidation risk. DeFi does if collateral falls 15%+. Leverage amplifies both upside and downside.
Keep 6 months of expenses in traditional savings. Allocate surplus to conservative DeFi yield (3-6% range). Sleep well.
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