Traditional banks maintain tight control over yield opportunities, deliberately shutting retail investors out of stable coin returns. While institutions hoard gains through proprietary channels, everyday users are left with fractional interest rates designed to erode purchasing power. The crypto ecosystem—especially platforms offering yield on stablecoins and assets like XRP—represents a direct alternative: transparent, accessible, permissionless. The contrast couldn't be sharper. Banks extract value through gatekeeping; decentralized finance distributes it to anyone willing to participate.