Recently, the Zhejiang Financial Asset Exchange Center scandal has been blowing up everywhere. At first, I thought it was just another traditional P2P scheme with those crazy annualized returns of 10–20%. But when I looked into the details, the returns were only 4–5%, and I heard there’s even a state-owned background involved. That just makes it even more chilling. This incident proves once again: while you’re eyeing someone else’s interest rates, they’re eyeing your principal. I’ve said it before—many people outside the crypto space are desperate to find high-yield channels, but in the crypto world, it’s actually within easy reach. During the bull market, @cz_binance and @heyibinance’s @binancezh offered flexible savings with returns around 10%, not to mention all the Earn programs, staking, and airdrop activities. Of course, the conclusion remains the same: High returns aren’t the issue; the real problem is the lack of transparency in risk. Many stable products in Web2 are actually less transparent than crypto. While Web3 is more volatile, the rules are clear, and everything is publicly visible on-chain. Whether or not you’re willing to take on the risk, at least you know where you stand.