On-chain loans, made directly on the blockchain, are booming in the DeFi market, surpassing US$$ 22 billion in assets. With less bureaucracy, more transparency and quick access, they have increasingly attracted people seeking credit and liquidity in a practical way.
On the other hand, the risks cannot be ignored: the volatility of cryptocurrencies, possible flaws in smart contracts and the lack of regulation are challenges that require attention. Entering this market without preparation can generate losses.
To safely ride the wave, the secret is to study well, diversify investments and follow the trends. On-chain loans offer good opportunities, but only for those who enter with their feet on the ground.