90% utilization isn't a sign of "high demand"—it's a liquidity trap. 🧱 When protocols hit the wall, users can't withdraw. Sumer’s Group Caps prevent these walls before they’re built. Risk management > TVL vanity. 🏛️🏗️ #DeFi# #Sumer# #RiskDesign#

High utilization isn’t just a metric—it’s a liquidity trap. When pools hit 95%+, lenders can’t exit and borrowers are stuck. Sumer’s Group Caps prevent these walls before they form, ensuring solvency is a guarantee of exit liquidity. 🏛️ #DeFi# #RiskDesign#

Yields below risk-free rates are a symptom of mispriced risk. In the rush to scale, many lending models ignore asset correlation, forcing high buffers on safe pairs while leaving toxic ones exposed. Efficiency starts with granular, correlation-aware risk design. 🛡