Kamino, a prominent Solana-based lending protocol, is under scrutiny for implementing a code-level restriction that prevents users from transferring funds to Jupiter Lend using its 'refinance' tool. This move has sparked a debate over open finance principles, with critics, including members of the Jupiter team, arguing that it undermines the ethos of decentralized finance. Despite the controversy, Jupiter Lend's total value locked (TVL) is nearing $1 billion, indicating a growing market share. In contrast, Kamino has experienced a 20.72% decline in its TVL, reflecting potential impacts of the restriction on its user base.