Crypto finance is beginning to provide a more predictable environment, like traditional finance, according to Aave Labs founder Stani Kulechov and Ethena CEO Guy Young. The shift is being supported by tools like Pendle, which allows users to lock in returns even in a volatile market known for big swings. However, much of the money still depends on trading rather than traditional lending. This shift could change as more real-world assets move onchain, a process known as tokenization.