Agora recently backed the US Auto loans token - AUTO. It's not moved to the DeFi with the help of the Figure forge. You can earn around 8.11% APY on the AUTO token with the earn program of Hastra. Lending strategies are being offered by the Kamino infrastructure. 

This is not some virtual token that would go down but real token with the yield and also it is going to have a backed real world value. You start by buying the wYLDS on Hastra and then earn the yield. Which later can be taken out and converted to the stablecoin. 

Consumer lending and also the yields are now the reality. How much to trust on the yield part is where the risk comes in. But the lending is pretty much real with the option to basically get connected to your credit scores. And it would be one of those places where the crypto is going to thrive in upcoming times too. I hope that the way everything is going crypto. We would be able to get the creator income settled there as well. 

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