I used to have funds spread across celsius, voyager, blockfi and I thought diversifying across platforms was smart risk management but then they all blew up within months of each other. Ftx was the final straw for me tbh. If the second biggest exchange can just steal customer funds then no centralized platform is safe and it doesnt matter how legit they seem. So then I moved to defi protocols because everything is verifiable on the chain. The main ones people use are morpho, aave and compound, which have all been around for years and they have transparent overcollateralization, no company that can go bankrupt. There’s a few interfaces I’ve tried. Some people go direct but I think for newer folks it’s better to use apps like instadapp, defisaver, yieldclub, summer fi because its simpler and it gives you the same protocols underneath just different front ends. I don’t think most people need to use direct unless they really want to. Yields are similar to what cefi promised but without trusting some company. I’m still paranoid honestly but way less than another ceo situation. I think ftx killed it fo r a lot of people but did the rest move to protocols or find different cefi platforms?