Vitalik Buterin Cheers: Ethereum DeFi is Coming For Your Saving Accounts

Ben Graham · Novembro 13

Ethereum DeFi is back on the menu, boys, as ETH co-founder Vitalik Buterin says decentralized finance has reached a point of maturity and security where it can now function “as a primary bank account.”

Speaking at a Dromos Labs event on Wednesday, Buterin argued that DeFi has evolved beyond the risky speculation of the 2020 era and is finally stable enough to serve as a real-world alternative to traditional banking.

“We’ll be seeing a growth in more and more cases of people, institutions, all kinds of users around the world actually using this as their primary bank account,” Buterin said.

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According to Buterin, the leap in security standards since 2019 has been “night and day.” Protocol audits, on-chain insurance systems, and formal verification tools have drastically reduced exploit risk. He admitted that high-profile breaches, such as the Balancer hack, still occur, but emphasized that the overall infrastructure is far more resilient.

“It’s a night and day difference in the kind of security that you can expect in 2025 versus 2020 or 2019,” Buterin said.

BREAKING: Vitalik Buterin has arrived to the ₿appers ₿runch, Sponsored by Core 30. pic.twitter.com/FPQUvSTblT

— Justin Bechler (@1914ad) November 12, 2025

Blockchain analytics firm Elliptic estimates that 2025’s total value lost to hacks is higher than last year’s, but largely due to a single catastrophic exploit of Bybit in February. Beyond that one-off shock, the numbers point to a broader cooling of systemic risk across DeFi.

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DeFi Llama shows a total value locked of nearly $135Bn, up more than 40 percent this year, while exploit losses have dropped by 38 percent since 2022. Put together, it supports Buterin’s argument that DeFi is growing.

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Alongside his remarks, the Ethereum Foundation released The Trustless Manifesto, a document warning against creeping centralization. It criticizes trends such as hosted RPC nodes, centralized L2 sequencers, and cross-chain custodians. According to Buterin, these features threaten the decentralized ethos of the ecosystem.

“Every system starts with good intentions,” the manifesto states. “Over time, gateways become platforms. Platforms become landlords. And landlords decide who can enter and what to do.”

Signed the trustless manifesto!https://t.co/VhHlx3K2vt @thewizardofpos @yoavw pic.twitter.com/lOuz1W7DQL

— vitalik.eth (@VitalikButerin) November 13, 2025

Buterin also pointed to the jump in Ethereum’s scalability, noting rising mainnet gas limits and the explosive growth of Layer-2 networks. New systems, like Lighter, which can process over 10,000 transactions per second, demonstrate that throughput is no longer a dream on a roadmap.

We’re watching Ethereum DeFi shift from speculation to infrastructure, and decentralization is becoming the foundation. It’s cool beans!

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Key Takeaways

Ethereum DeFi is back on the menu boys, as ETH co-founder Vitalik Buterin says decentralized finance has reached a point of maturity
We’re watching Ethereum DeFi shift from speculation to infrastructure, and decentralization is becoming the foundation.

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