$20B routed through LI.FI across 62 chains and 23 bridges — the cross-chain plumbing mostly works now. Yet every protocol at that table is independently building the same product: Jumper launching Earn with personalized yield discovery across 60+ chains, Lido shipping Vaults as staking yields compress, Gearbox offering composable leverage into stETH without touching a DEX. They're sitting together to diagnose UX fragmentation at the infrastructure layer while simultaneously creating a new fragmentation at the product layer — four competing "deposit here, we handle everything" frontends targeting the same user.

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