Established DeFi lending platforms such as MakerDAO, Compound and AAVE offer variable yield borrowing/lending which has typically dominated the market. This service is attractive, yet complex and occasionally overwhelming for casual users to navigate. Existing protocols generally have a bias towards experienced users who have a high level of understanding of esoteric concepts like yield rates, staking rewards and target APY. Depositing or shifting between positions regularly incurs high transaction fees, further to a situation in which only those with large investments can successfully participate. When gas fees are high, it is only economically viable to invest, adapt or withdraw large sums. Many cite this as a barrier to the expansion of DeFi to mainstream retail users.