DeFi lending vaults are starting to use credit tools for risk quantification. This may sound abstract, but the core issues are very real: oracle deviations, liquidation failures, congestion, these adverse situations can directly impact positions on-chain. For assets like $MKR, $AAVE , which have a stronger focus on lending and risk control narratives, this is a long-term advantage; in the short term, it serves as a market reminder that the risk pricing of lending protocols still needs to be broken down further.