15% APY sounds incredible—until the protocol collapses. This talk exposes where stablecoin yields actually come from, why "sustainable" yields rarely are, and the hidden secrets nobody mentions.

DeFi protocols promise to operate decentralized, yet they routinely process billions in collateral. How do these systems manage risk, and what happens when markets move violently? How does this compare to centralized solutions? This panel examines how DeFi protocols, institutional gateways, and investment firms design and evaluate risk frameworks and respond to market shocks. Ultimately, we discuss how resilient these various approaches are in fulfilling the promise of a stable and inclusive financial future.