The text discusses the impact of historically low interest rates on investment strategies, particularly highlighting the shift towards digital assets and cryptocurrencies as alternative avenues for yielding returns. Industry experts, including Meltem Demirors, Dan Matuszewski, and Jeremy Allaire, explain how low rates have pushed investors further up the risk curve, from fixed income to equities and now to crypto, due to the need to outpace inflation. They note that the demand for crypto yield products is high because traditional financial systems do not provide as favorable returns, prompting institutional investors to explore crypto for more competitive yields, despite its perceived risks. The conversation touches on how crypto markets are maturing, with collateralized lending opportunities offering high yields, and how the integration of crypto with traditional finance could evolve, allowing institutions to adapt to this new financial landscape. The discussion underscores a transformative period in finance where the distribution and access to high-yield investments are expanding, potentially merging traditional banking with decentralized finance (DeFi) solutions.