Savings 2.0

"If savings is just accounting, why put it onchain?" - Guillaume Nervo, Co-Founder, Angle This talk proposes “Savings 2.0”, a model where users earn yield without opt-ins, extra tokens, or UX friction. By calculating rates offchain and distributing via airdrops, it removes rigid economics and smart contract risks, offering tailored returns based on actual user activity. Simpler, smarter, and safer—this is a blueprint for modern DeFi savings. --- 00:00 Why Savings Accounts Are Broken 00:39 Problems with ST Tokens 01:14 Stablecoin System Design Recap 01:50 Innovation in Lending, Not Savings 03:41 Rigid Economics of Onchain Savings 04:47 Confusing UX and Smart Contract Risk 05:55 Enter Savings 2.0: Offchain Computation 06:28 Per-User Yield Allocation 07:04 Tailored Rates, Not One Size Fits All 07:37 Smart Contract Risk Avoidance 08:46 TradFi Parallels and Final Thoughts --- Explore Upcoming Events 👇 ➣ Stable Summit III: Devconnect • Website: https://www.stablesummit.xyz/ • Email: info@stablesummit.xyz • Apply to Speak/Sponsor: https://partyactionpeople.typeform.com/devconnect2025?typeform-source=www.stablesummit.xyz ➣ Stablecoin Summit: Singapore by XREX & Unitas • Website: https://stablecoinsummit.com/ • Email: team@stablecoinssummit.com • Apply to Speak/Sponsor: https://partyactionpeople.typeform.com/stblcoin3?typeform-source=stablecoinsummit.com ➣ Blockchain Oracle Summit: Devconnect • Website: https://blockchainoraclesummit.io/ • Email: info@partyactionpeople.com • Apply to Speak/Sponsor: https://partyactionpeople.typeform.com/BOS25apply ➣ Listen to the Stable School Podcast Link: https://stableschool.org/podcast ➣ Follow Stable Summit on X Link: https://x.com/stable_summit — About: By Stake Capital Group and Party Action People, and presented by Curve Finance, Stable Summit has been gathering leaders in stablecoins almost quarterly since 2023. Our content is curated through hours of one-on-one research with the leading minds in the stablecoin space. Each program is a highlight reel of what leaders in stables are curious about in real time. Our audience consistently features the full spectrum of the stablecoin ecosystem, from DeFi protocols to institutions, from stablecoin issuers to central banks, and every llama in between.