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Aave (DeFi · non-custodial) compared against Unchained (CeFi · multisig). Same 8-factor methodology, same evidence sources, side-by-side numbers.
“Aave is the cheapest dollars in the Bitcoin lending market — variable rate, on-chain, you keep the keys. Unchained is the safest — multisig custody, regulated, fixed rate, but ~10× the APR. Pick by which failure mode you fear more: smart-contract risk (avoid Aave) or institutional custodian risk (avoid Unchained).”