One structural problem in DeFi is that access to financial tools has improved faster than the way risk and capital efficiency are managed. Many protocols still focus on attracting liquidity and generating headline yields, while the harder question is whether those returns come from sustainable strategies and transparent risk management. That is the perspective I find worth exploring with @zerufinance . The important shift is not simply chasing higher yields, but building structured financial products that make onchain capital more purposeful. It is not just about maximizing returns, but understanding the strategy behind them. Not just putting assets to work, but considering how risk, execution, and capital allocation fit together. For DeFi to mature, financial products need more than attractive numbers. They need clear mechanisms, disciplined risk frameworks, and incentives that reward sustainable participation. The next phase of onchain finance will depend on whether protocols can turn these principles into systems that remain useful beyond short-term market cycles.