Inflation quietly taxes your cash while banks pay near-zero. This guide shows a responsible DeFi approach to help offset that drag: start small on audited protocols, diversify, track weekly, and subtract fees to see real yield. Learn the 6-month “offset plan,” the three pillars (Education • Verification • Automation), and the risks to watch before you deposit.

Aave, one of the largest decentralized finance (DeFi) lending protocols, has reached a record $41.1 billion in total value locked (TVL), according to CryptoSlate. This milestone makes Aave comparable in size to the 54th-largest commercial bank in the United States.