According to Omkar Godbole, DeFi models that fix deposit yields such as 20 percent APY while allowing borrow rates to float, as in Terra LUNA, create one-sided control that invites disaster and represent elevated structural risk for market participants evaluating such protocols; source: Omkar Godbole @godbole17 on X, Jan 11, 2026. He advises traders to treat fixed yield and variable borrow rate designs as high risk and manage position sizing accordingly; source: Omkar Godbole @godbole17 on X, Jan 11, 2026.