In many ways, these financial services resemble traditional financial services one might get through a bank or a stock broker. However, because DeFi is decentralised, there are some important differences. Most prominently, a computer facilitates these services instead of an entity like a bank. Thus returns for providing liquidity—lending out your crypto assets to others at interest—are substantially higher than the abysmally low interest that traditional banks offer. Risk-averse participants in DeFi can make 12% or higher on their deposits, while risk-tolerant, experienced participants can make a staggering 60% or more on their money. (Believe it or not, these are conservative estimates.)