Dinero’s Terence says DeFi’s boring phase could be the most bullish yet

Dinero’s Terence says DeFi’s boring phase could be the most bullish yet originally appeared on TheStreet.

Decentralized finance is no longer the adrenaline fueled spectacle it was during the frenzy of DeFi Summer and that is exactly why Terence, Head of Growth at Dinero, believes the sector is entering its most important phase yet.

“Boring is the natural next step,” Terence said in an interview with TheStreet Roundtable’s Jackson Hinkle, pointing to the way financial technology historically matures. “We have nearly all the tooling that was once only in traditional finance now inside crypto.” Stablecoins, liquid staking and lending protocols have become dominant pillars, with a handful of players already “too big to fail” by crypto standards.

The change marks a shift from rapid fire innovation to consolidation and institutional trust building.

Terence noted that investors can now buy Bitcoin on mainstream exchanges, integrate it into retirement accounts and access on chain versions of almost every traditional financial product. Even 401(k) plans can hold Bitcoin today, underscoring how far digital assets have moved into the mainstream.

But this is not just about the big players getting bigger. Terence sees a crucial role for agile DeFi native teams that can operate in the “chasm” between Wall Street and blockchain, helping traditional institutions execute in crypto markets and bridge liquidity between public and on chain systems.

That bridging expertise could prove decisive as traditional asset managers seek digital exposure but lack the operational muscle to navigate decentralized markets. For Dinero, it is an opportunity to position itself as a translator between two worlds.

In Terence’s view, the spectacle of yield farming and token launches may be gone, but the quieter and more predictable era ahead is where DeFi cements its credibility and where the biggest long term gains could be made.

Boring, it turns out, might be the best bullish signal yet.

Dinero’s Terence says DeFi’s boring phase could be the most bullish yet first appeared on TheStreet on Aug 18, 2025

This story was originally reported by TheStreet on Aug 18, 2025, where it first appeared.