point alpha !!! personally I do not see the utility since you have to stake or lend money ...While I am capable of earning much more by trading I have gone around the question even if you offer me a payout of 100% that represents only 8% per month which is huge in a bank but we are talking about crypto the price is hyper volatile ...And I am capable of much better and I do not take the risk of blocking my money and that this currency gets delisted ...