Honestly, after all this time of “modular” hype, I still don’t understand what real, tangible benefits it brings to end users. It’s not that I don’t understand the technology—it’s more that, even if you make the layers look beautiful, when I transfer funds in my wallet, I still have to wait, and I still have to pay gas. Maybe it makes things easier for the team and node operators, but for someone like me who just wants to quietly survive in DeFi, it really doesn’t feel obvious.

What I’ve been seeing lately in the group is people circulating screenshots about stablecoins de-pegging. One moment they say the reserve audit is problematic, and the next moment they “debunk” it—making people uneasy. My current strategy is simple: keep some of both USDT and USDC as a backup, and don’t put all my assets into a single pool. Even if the technology is highly modular, if on-chain liquidity breaks, then it really breaks. For now, that’s it—less messing around, less risk.