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3.8%
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Ugh, I’ve really been getting anxious because of gas lately… the mainnet fees are always just a few dozen u for moving things around, and even sending a transfer feels painful, but I’m also the type who has to check the lending/borrowing panel every day—I’m afraid the interest rate will suddenly jump. I recently tested a few L2s, and the experience is indeed smooth; the fees are so low they’re almost negligible. But honestly, I’m still a bit uneasy—what if one day the cross-chain bridge has an issue? I’ve had more than enough “getting burned” experience like that, and I’m really scared.
That said, the recent rate-cut expectations have been getting hot, and the U.S. dollar index and risk assets are rising and falling together—I can’t help feeling a bit tempted. Someone in the group is doing small-scale arbitrage on L2 this round and has been making fairly steady profits; I admit I’m a little jealous… they’re willing to take the risk, while I just stare at the liquidation waterfall and do calculations for half a day. Forget it—let’s compromise: for small interactions, I’ll go with L2; for big deposits or staking, I’ll still be old-school and go back to the mainnet. Sure, I’ll pay more gas, but at least I can sleep at night. Anyway, I’m a data person—no matter whether the rate is a bit higher or lower, I’ll keep track of it.