Why DeFi > Banks for Borrowing Against Assets

Approval Process
- Borrowing against stocks: Apply & wait for approval
- Borrowing against crypto: 2 clicks

Borrow More 
- Stocks: 50% LTV max. $10,000 in stocks → borrow $5,000 max
- Crypto (ETH): Up to 80% LTV. $10,000 in ETH → borrow $8,000 max

Interest Rates
- Stocks: 11.375%-12.825% (Schwab), compounds daily
Crypto: 1.71% (cbBTC) 2.43% (ETH) 5.54% (USDC) (Aave/Base), compounds continuously

Flexibility
- Stocks: Rules on what you can & can't do with borrowed funds
- Crypto: No restrictions. Borrow for anything

Global Access
- Stocks: Limited to certain regions. Only 9-5
- Crypto: Available 24/7, anywhere in the world