Discussing yield farming with Tushar Jain in 2020, Malka compares token incentives with customer-acquisition spending and argues that temporary rate incentives do not by themselves create a lasting business.Jain supplies the high-APY and hot-money challenge. Malka’s banking analogy is attributed recollection; it is not an endorsement of a current yield product.TIBBIR UNIVERSE THIS IS TIBBIR How to get TIBBIR Ribbit in numbers Connected clues Account archive Bridge & contracts On-chain research Connections Community The story Reading room Network map Timeline Findings Source library Conversations People & companies Open questions Export & reuse