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title: Dlease.io Versus DeFi

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# Dlease.io Versus DeFi

Decentralized Finance (DeFi) took the cryptocurrency world by storm in 2019.  It was the hottest application in crypto garnering a great deal of attention both inside and outside of the industry. 

Central banks around the world have been in the mode of cutting interest rates.  The easing that started a decade ago is still in full force   Today, roughly 1/3 of global debt is under a negative interest rate.

This really impacted those who are seeking a return.  At the top of the list are retirees and others looking for a conservative, yet stable return.  Since bonds are paying an awful rate, they are forced into riskier assets.

Cryptocurrency is obviously a different animal entirely.  It is well known that prices fell off a cliff since the bull run two years ago.  Many of the alt-coins are still down more than 90% from their highs.  This was a losing proposition across the board.

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![](https://i.imgur.com/WOE9oM2.png)
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Since the inception of cryptocurrency, there were two choices for investors.  One could either profit via trading or become a "hodler".  There was really no way to get a return outside of these options.

DeFi opened up another avenue for investors.  Instead of holding tokens for no return, companies started to offer up payouts for using the money.  In short, we saw the emergence of lending within the crypto community.

Ethereum was the major platform to benefit from this.  The numbers for 2019 were pretty astounding.

> * +137.23% annual increase in TVL - Total Value Locked (USD)
> * 1 in every 37.12 ETH is now locked in Ethereum DeFi Protocols, up from 1 in every 56.17 ETH locked from the year prior.
> * 2.69% of the total liquid ETH supply is locked in DeFi protocols, up from 1.76% the year prior
> * In August, TVL decoupled from Ether’s price movements, signalling a natural demand for Ethereum’s money protocols
> * +977.37% year-over-year increase in Dai locked within DeFi
> * Despite a +198.5% increase in BTC locked in the first half of the year, BTC locked stagnated in growth for the remainder of the year
> * The Dai Savings Rate (DSR) settles in at 4.00% APY
> * Derivatives were the fastest-growing DeFi sector at +4,827% annualized growth
> * Uniswap’s liquidity has surged by +5,709% since January 2019

defirate.com/market-report-2019/

Indeed these are some impressive numbers.

One of the challenges we are seeing in this market is the rates are falling, and quickly.  With the rate to borrow collapsing, much of the returns people were receiving earlier in the year are also vanishing.

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![](https://i.imgur.com/eHLZ4NX.png)
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[Source](https://i.imgur.com/t9UyKou.png)
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What is not well known is that DeFi-like products existed on the Steem blockchain long before 2019.  Dlease.io originally started as MinnowBoosterin mid 2017, with a hefty headstart over DefI of a couple years.

Dlease enables users to lease out Steem Power for the utility and social influence aspects.  This is done by bringing people together in a P2P fashion;  those with Steem Power have the ability to fill orders on the market placed by lessees looking to lease Steem Power and receive double digit APR interest returns in the process.

The lessee has the motivation to lease Steem Power because of the reward system on Steem.  Increasing one's Steem Power enhances one's standing on the platform. I provides the user with the ability to generate higher rewards from their curation and voting activity as well as attracting more users to their Steem blog through upvoting comments and engagement with their newly leased influence.

Dlease.io is a service where Steem Power holders retain full control of their keys.  This is vital in the world of decentralised cryptocurrency.  Many sites were hacked and tokens stolen because they were centralized.  The tokens on there were vulnerable as soon as the hackers accessed the honeypot.

With all the stir around DeFi, the Dlease returns are what stand out.  Whereas we are seeing under 5% DeFi returns, as per the above chart, Dlease is presently paying double digits tending towards 13% APR.  This is quite a bit more than even the 8% promotional DeFi rates tossed around by some companies.

The final advantage is the opportunity cost is reduced with only a 5 day cool down period.  This means the act of undelegating will not tie up one's tokens for an extended period of time allowing for use in another manner.

Dlease has a nearly 3 year proven track record in Peer-to-Peer leasing, with 33 Million in Steem Power leased to date and consistenly 3 Million Steem across 2500+ active Steem Power leases at any given time. Since there is no risk for default, this makes dlease.io a very conservative way to generate a stable return of superior APR interest rates to what is currently available on DeFi.


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