DeFi vs TradFi: 2026 Numbers

When you park capital somewhere, you dey make quiet bet. You dey bet say the yield go outrun inflation, say the custody go hold, say the rules no go change under you, and say the time wey you trade for the return go worth am. For 2026, with inflation still dey hover around 3% for most developed economies and central banks dey resist deeper cuts, the gap wey dey between wetin TradFi dey advertise and wetin your wallet dey keep don wide pass ever before.

This post dey compare Turbo Loop's on-chain, fixed-cycle yield against the three vehicles wey still dey anchor most retail portfolios: US savings account, the 10-year Treasury, and the S&P 500. We go stick to specific numbers, show the math, and dey honest about wetin each vehicle dey risk. No marketing. No hand-waving on the annualization. Just side-by-side outcomes on real $1,000 deposit over twelve months — and the assumptions wey you go need to accept for each.

The Comparison

Vehicle	Headline Yield	Lock-up	Real Risk
US Savings Account	4.5%	None	Inflation, taxation
US 10Y Treasury	4.2%	10 years (or rate risk)	Duration, opportunity cost
S&P 500 (avg)	~10% (historical)	None, but volatile	20-50% drawdowns
Turbo Loop — Power Loop	30% / 10 days	10 days	Smart contract, ecosystem
Turbo Loop — Ultimate Loop	100% / 10 days	10 days	Smart contract, ecosystem

Note: Turbo Loop yields na CYCLE ROI over the stated duration, no be annualized.

Honest Look at TradFi in 2026

US Savings Account — 4.5%

High-yield savings account wey dey give 4.5% na the best wey retail TradFi world don offer for over a decade — and e still dey lose once you back out the costs.

Federal income tax on interest, for 24% marginal bracket, dey drop your real take to roughly 3.4%. Subtract 3% inflation and you go dey left with about 0.4% in real purchasing power. On $10,000, na $40 of genuine economic gain per year. FDIC insurance dey cover you to $250k per institution, wey be meaningful protection — but na protection against bank failure, no be against the silent erosion of your money's value. If your bank hold and inflation dey run hot, you still go lose.

The catch: advertised yields na pre-tax, pre-inflation. Real returns dey typically 0–1%.

US 10Y Treasury — 4.2%

The 10-year Treasury wey dey give 4.2% na the global benchmark for