I deeply sympathize with what I have seen with Yishi these days, and my assessment of Defi is: If you don't have a code audit team to audit all the code in advance, don't save money. If you can't force the project team to modify the code, don't save money. Otherwise, it's a matter of time before the principal is reset, and it will always be repeated. And if the project team at the code level has a veto power and can completely destroy the project or rug project at any time, the risk will really skyrocket. There is only one risk-free interest rate in the world, which is US Treasury bonds, currently at a level of 4% -5%. This is endorsed by the US government, and any DeFi or borrowing that exceeds this level is risky. If you think the risk is low, it means that the amount of funds you have deposited is not large enough.