Digital Asset Investor (DAI), a prominent XRP commentator, has expressed skepticism over current 8–10% yield offerings, citing historical financial scams as a cautionary backdrop. DAI highlighted past schemes like Ponzi and Madoff, as well as recent crypto failures such as Celsius and Anchor, to underscore the potential risks associated with high-yield promises. He stressed the need for insurance on XRP holdings until such protections are available. Despite these warnings, XRP yield opportunities are growing through platforms like Uphold, Flare Network’s FAssets, and Axelar’s mXRP, which provide DeFi-based returns. Flare Network claims to implement multiple security measures for FAssets, while Axelar and Hyperithm oversee mXRP deposits. Anodos Finance co-founder Panos Mekras noted that although XRP/mXRP liquidity pools are considered low risk, no asset is entirely without risk.