DeFi 2026 feels different now not the old meta of random APY farm and nonstop pool hopping to chase yield
Framework from @TermMaxFi is a clear example of this direction
Here’s my setup
▸ Core 60-70 percent fixed rate lending
APY around 8–12 percent steady payout no lock
this part like account farming just keep things stable in sideways market
▸ Leverage 20-30 percent controlled
can set max loss from the start
still play volatility but no fear of full liquidation
▸ Diversify 10-20 percent vaults or RWA
rotate through Morpho or other collateral for extra yield
goal is reduce dependency not maximize profit
Overall
▸ 50 percent fixed lending
▸ 30 percent capped leverage
▸ 20 percent vault or RWA
Target is stable 10–15 percent, in this market steady and risk control is the real edge
DYOR
