Compared to traditional banking or fintech platforms, the decentralized finance sector genuinely delivers higher yield opportunities—just look at what some major DeFi lending protocols or yield farming platforms are offering. The numbers speak for themselves.

But here's the thing: adoption isn't just stalled because people don't know about these better rates. There are real friction points slowing things down:

1) **Incerteza regulatória** – Este é o grande problema. Sem quadros claros que regulem os protocolos DeFi, os utilizadores enfrentam ambiguidades em relação à conformidade, declaração de impostos e legitimidade da plataforma. Esse fator de medo mantém os investidores de retalho à margem.