Key Takeaways
- Aave offers secure lending and borrowing with multiple asset options
- Curve Finance specializes in stablecoin swaps with low slippage
- Yearn Finance automates yield optimization strategies
- All three projects have strong security track records and audits
- New Zealand users can access these platforms through web3 wallets
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The DeFi landscape continues to evolve rapidly, with new protocols emerging and established ones expanding their offerings. For New Zealand investors looking to explore decentralized finance opportunities, we've analyzed the most promising projects that combine innovation, security, and usability. Here are our top three picks for 2025.
How to Access These DeFi Projects from New Zealand
Accessing these DeFi platforms from New Zealand is straightforward, but requires a few specific steps:
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1Set up a self-custody wallet
Install MetaMask or another Web3 wallet as a browser extension or mobile app.
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2Purchase ETH or other base assets
Buy Ethereum or other required cryptocurrencies from a NZ-friendly exchange like Easy Crypto or Binance.
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3Transfer to your wallet
Send your crypto from the exchange to your self-custody wallet address.
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4Connect to the DeFi platform
Visit the project's website and click "Connect Wallet" to link your MetaMask or other wallet.
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5Interact with the protocol
Deposit funds, provide liquidity, or engage with the platform's specific features.
Pro Tip: Consider using layer 2 solutions like Polygon or Optimism to reduce Ethereum gas fees, which can be particularly high during peak network congestion.
Risk Management for Kiwi DeFi Investors
Important Safety Considerations
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Start small and diversify
Begin with small amounts across different protocols rather than concentrating funds in one place.
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Research thoroughly
Verify that protocols have undergone security audits and have a strong track record.
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Understand impermanent loss
Be aware that providing liquidity can result in losses if asset prices change significantly.
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Keep records for tax purposes
The IRD treats crypto as property, and DeFi activities may create taxable events.
New Zealand Tax Considerations
DeFi activities can create complex tax situations for New Zealand investors:
- Lending rewards are typically considered income and taxed accordingly
- Liquidity provision fees may be treated as income
- Token rewards are generally taxable when received
- Capital gains may apply when selling or swapping tokens
Note: Consult with a tax professional familiar with cryptocurrency taxation in New Zealand. The IRD continues to develop guidance on DeFi activities.
Conclusion
These three DeFi projects represent some of the most established, secure, and user-friendly options for New Zealand crypto investors in 2025. Each offers unique benefits while maintaining strong security practices and ongoing development.
As the DeFi landscape continues to evolve, these protocols are likely to remain at the forefront due to their strong foundations, active communities, and continuous innovation. For Kiwi investors looking to explore beyond traditional finance, these platforms offer an excellent starting point.
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Disclaimer: This article is for informational purposes only and does not constitute financial advice. DeFi investments carry significant risks including total loss of capital. Always do your own research before investing. I earn via affiliate links. Crypto's risky; not advice. NZ 18+