# Savings 2.0

- Channel: [Stable Summit](https://streameth.org/stable_summit)
- Date: 2025-10-07
- Duration: 10:44
- Watch: https://streameth.org/watch/yt-FP7UToNzgRw
- YouTube: https://www.youtube.com/watch?v=FP7UToNzgRw

## Description

"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

---
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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.