MoreMarkets Breaking Report: Why Are 97% of Retail Investors Still 'Saving Money' on CEXs? The Truth About DeFi's Zero-Sum Game MoreMarkets @moremarketsxyz just released the '2025 Crypto Yield Retail Consumer Report.' This report tears apart the illusion of DeFi's boom: regular people don’t care how high your APY is—they only care if they can withdraw their money anytime. ■ The Adoption Gap Numbers don’t lie. The current yield market is extremely fragmented: CEX users: 20 million people managing their finances on centralized exchanges DeFi users: Only 500,000 people mining on-chain protocols ✅ Conclusion: DeFi’s penetration rate is only 2.5%. It’s not that retail investors don’t love yields—it’s that existing DeFi products are just too “user-unfriendly” for them. ■ What Are Retail Investors Afraid Of? (The Fear Index) MoreMarkets @moremarketsxyz surveyed 150 U.S. retail investors and uncovered the three biggest barriers stopping them from entering DeFi: ❌ Liquidity Anxiety (68%): This is the biggest pain point. ❌ Security Concerns (45%): Rug pulls and hacking incidents make retail investors feel even less secure about “non-custodial” solutions. ❌ Knowledge Barrier (28%): The terminology is too hardcore. What MoreMarkets @moremarketsxyz is doing is filling the vacuum for these 19.5 million users. By packaging complex on-chain strategies (like Kinetic, Morpho) into simple “one-click investment” interfaces, DeFi finally has a chance to achieve true mass adoption.