The collapse of centralized platforms like BlockFi and Celsius has understandably shaken trust in crypto yield. Many have seen their hard-earned savings vanish, a stark reminder of the risks involved. If you’re hesitant about earning yield again, your concerns are entirely valid. At Exponential.fi, we understand that trust is earned, not given, and we’re here to rebuild it.
We founded Exponential.fi because we saw how these platforms thrived on an asymmetry of information—one that ultimately transferred risk onto users while keeping them in the dark. BlockFi and Celsius sourced yield from undisclosed and risky avenues, whereas DeFi has always offered a more transparent alternative, with yield opportunities fully visible on the blockchain. Our mission is to provide a fundamentally different way to earn yield—one built on transparency, security, and user control. Here’s how DeFi yield on Exponential.fi stands apart from the centralized lending platforms of the past.
Assets are held outside of Exponential’s balance sheet (i.e. we don’t use your funds)
Traditional centralized platforms like FTX, BlockFi, and Celsius commingled user deposits with their own balance sheet, exposing funds to risks of mismanagement, rehypothecation, and bankruptcy. When these companies failed, users became unsecured creditors, often waiting years to recover only a fraction of their funds.
At Exponential.fi, your assets are never part of our corporate balance sheet. Instead, they remain securely on the blockchain and entirely outside of our legal entity. This means your funds are always yours — no matter what happens to Exponential.fi. Even in the unlikely event that we cease operations or face bankruptcy, your assets remain unaffected and fully accessible to you. You retain complete ownership and control at all times.
🟢 DeFi with Exponential.fi | 🔴 CeFi Platforms (BlockFi, Celsius) |
✅ Your funds are never on Exponential’s balance sheet. | ❌ User funds were mixed with company money, so they could be used for risky loans, bets, or to pay debts if the company went bankrupt. |
✅ Even if Exponential ceased operations, your funds remain in your name and can be withdrawn. | ❌ Depositors became unsecured creditors, with no priority in repayment when things went wrong. |
Transactions are fully onchain
One of the biggest pitfalls of centralized platforms was the lack of transparency. Users had no real-time insight into how their deposits were used, leading to hidden leverage and unsustainable risks.
With Exponential.fi, every transaction is fully onchain, meaning you can independently verify your deposits, withdrawals, and yield earnings at any time. There are no backroom deals, opaque entities, or off-balance-sheet liabilities—every movement of funds happens transparently on the blockchain.
🟢 DeFi with Exponential.fi | 🔴 CeFi Platforms (BlockFi, Celsius) |
✅ Every transaction is recorded onchain and can be independently verified. | ❌ Opaque operations—users had no real-time visibility into how their funds were being used. |
✅ No hidden leverage — your funds remain in your selected pools. | ❌ Hidden liabilities—engaged in risky lending and leverage without user knowledge. |
✅ Real-time transparency — you can always track your funds. | ❌ No onchain verification, making it impossible to track funds independently. |
Only users can transact with their funds
A major issue with centralized platforms was that once you deposited funds, the company could do whatever they wanted with them—lend them out, use them as collateral, or even freeze withdrawals when things went south.
We built our platform so that only you have control over your funds. Thanks to its Multi-party computation technology, our platform enforces that no third party (including Exponential) can move or use your assets without your explicit action.
🟢 DeFi with Exponential.fi | 🔴 CeFi Platforms (BlockFi, Celsius) |
✅ Only you can initiate transactions with your funds. | ❌ Platforms controlled withdrawals, freezing assets during financial trouble. |
✅ Your funds are in transparent liquidity pools, verifiable on the blockchain. | ❌ User deposits could be lent out or used as collateral without consent. |
✅ No hidden risks—everything is recorded onchain. | ❌ Users had no control once funds were deposited. |
Yield comes from verified onchain protocols
Celsius and BlockFi often enticed users with high-yield promises while engaging in risky, unverified lending strategies. Users had no clarity on how yield was generated, making it impossible to assess risks until it was too late.
With Exponential.fi, yield comes only from transparent, onchain DeFi protocols that can be independently audited. The pools available via Exponential.fi have clear risk ratings, so you always know where your yield comes from and the level of risk involved. Exponential.fi does not create new strategies or financial instruments. We provide access to liquidity pools that exist on-chain.
🟢 DeFi with Exponential.fi | 🔴 CeFi Platforms (BlockFi, Celsius) |
✅ Yield is sourced from transparent, onchain DeFi protocols. | ❌ Promised unsustainable yields without transparency. |
✅ No hidden counterparties—returns are verifiable on the blockchain. | ❌ Engaged in high-risk lending to generate returns, leading to insolvency. |
✅ Risk ratings help you assess the safest yield opportunities. | ❌ Users had no clarity on where yield was coming from. |
Why this matters
If you’ve been burned by centralized lending in the past, your skepticism is justified. DeFi, when done right, offers a fundamentally better way to earn yield—one that is truly decentralized, transparent and resistant to the failures that plagued prior CeFi platforms.
With Exponential.fi, you are always in control. Your funds are never mixed with ours, every transaction is visible on the blockchain, and only you can authorize any movement of your crypto. Plus, we're completely transparent about where your yield comes from. This setup avoids the kind of risks that led to the downfall of companies like BlockFi and Celsius.
At Exponential.fi, we also prioritize compliance with evolving regulatory standards and operate under U.S. financial regulations, including registration with FinCEN. Unlike offshore platforms that operate outside of regulatory scrutiny, we are committed to transparency, investor protection, and long-term sustainability. Additionally, we service users in 95+ countries, reinforcing our strong international focus and making DeFi yield more accessible to users worldwide.
By embracing verified onchain yield, you can move forward with confidence—knowing that history doesn’t have to repeat itself.
Ready to explore DeFi yield with the security you deserve? Start with Exponential.fi today.