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Challenges in DeFi
Challenges in DeFi
A precise definition of what OROKAI is — a software layer with smart contract integrations across multiple chains — and what it is not: a bank, broker, custodian, or investment adviser.
Why Most People Still Aren't Using DeFi
There are 5.3 billion people with internet access. Around 2.1 billion have bank savings above $1,000. The total value sitting in global savings accounts exceeds $90 trillion.
The number of people actively using DeFi? Approximately 7 million.
This isn't an education problem. Most people understand the idea of earning more on their savings. The problem is that actually doing it requires developer-level knowledge.
What Stops People — In Their Own Words
A 2023 ConsenSys study of 15,000 crypto users asked why they hadn't gone deeper into DeFi. The answers were consistent:
Notice what's not on this list: "I don't believe in DeFi" or "I don't want better returns." People want in. The door is just too hard to open.
The Journey of Pain
Here's what actually happens when someone decides to stake ETH for the first time — without any help.
Total time: 4–8 hours (without KYC) or up to 7 days (with) Estimated completion rate: 35–40%
The majority of people who try — give up.
DeFi Is Fragmented
Even for those who push through, the experience stays difficult. The same strategy — say, staking ETH — looks completely different depending on where you do it.
Lido, Rocket Pool, Coinbase, native staking, and centralized exchanges all offer "ETH staking." But the minimum amounts, lock-up periods, fee structures, withdrawal processes, and risk profiles are entirely different. And they describe themselves using different terminology — APY, APR, accruing, claimable — that means different things in each context.
A non-technical user trying to compare options isn't just confused. They're comparing apples to motorcycles.
On top of that, DeFi moves fast. Protocols update. Pools change. Conditions shift. Keeping up requires continuous monitoring that most people simply don't have time for.
Other Industries Solved This Problem
DeFi in 2025 looks a lot like other technologies did just before they went mainstream.
Email in the 1990s required configuring POP3 and SMTP servers, managing different interfaces for every provider, and dealing with constant spam. Then Gmail arrived — one account, one interface, it just worked. Email went from 100 million to 1.8 billion users in a decade.
E-commerce before Stripe meant months of custom payment gateway integration, different compliance requirements per country, and manual settlements. Stripe reduced that to seven lines of code. Millions of businesses came online overnight.
Getting a taxi before Uber meant not knowing who was coming, not knowing the price, and paying cash with no guarantee of availability. Uber showed the price upfront, tracked the driver in real time, and handled payment automatically. The average wait time dropped from 15 minutes to 2.
In each case, the underlying technology didn't change. What changed was the layer on top — the one that hid complexity, standardized the experience, and showed costs before you committed.
DeFi has the technology. It still lacks that layer.
What That Layer Needs to Do
Based on everything above, the solution is clear in principle:
The Core Insight
DeFi doesn't have an adoption problem. It has a usability problem.
The technology works. The protocols generate real activity. The opportunity is real — $90 trillion in global savings sitting in accounts earning near-zero returns, and a DeFi ecosystem with only 0.05% penetration.
What's missing is the bridge. A simple, transparent layer that handles the complexity, shows the costs, guides the steps — and hands full control to the user at every point.
That's what Orokai is built to be.
All statistics cited are third-party estimates and subject to change. DeFi protocol returns are variable and not guaranteed. Historical analogies are illustrative only and do not imply equivalent outcomes for DeFi adoption.