The DeFi ecosystem is reshaping itself across multiple vectors, and the momentum is building in some really interesting ways.

First up, there's the push toward accessible on-chain yields that don't require you to be a crypto native. Think consumer-grade applications and traditional fintech bridges that strip away the friction—Aave's venture into consumer products signals exactly this. When yield farming stops feeling like a technical gauntlet and starts looking like checking your savings account, adoption naturally follows.

Simultaneously, borrowing patterns are fragmenting too. The old model where everyone's chasing the same yield opportunities is breaking apart. Instead, you're seeing capital flow toward specialized use cases—whether that's protocol-specific collateral strategies, cross-chain positioning, or integration with institutional grade infrastructure. The borrow-side is no longer monolithic.