Morpho is already the stress test: about $7.5B in Morpho Blue TVL, 1,000+ vaults, and stablecoin lending carrying most of the flow while risk gets sliced by curator and market instead of pooled into one giant Aave-style balance sheet. If DeFi keeps losing infra engineers to AI labs, the winners will be protocols that compress bespoke Solidity per dollar of TVL: immutable cores, narrow vault interfaces, formalized risk curation, and fewer “just audit it twice” hero runs.

Top comment by @Benthic