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MKR · 4d

stability fee and defi workings

So, if I mint DAI through the oasis app i'm paying a 7.5% stability fee? why would anyone do that? And furthermore, what am I missing that people are locking in their dai for between 2.5 and 6% APY? ​ Any pointers will be highly appreciated as I'm sure there's something I'm not realizing/seeing.
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