Your First 90 DaysAcademy
The Protocols · The Machines, One at a Time · Week 8 · Checkpoint 16

The Money Legos

By the end you will have followed one stack of money through four machines you know by name, seen what each floor earns and what it promises, and picked up the habit insiders never explain: counting floors wherever money sits.

10 steps~20 min3 nodes for your map
01 · The pitch you scrolled past

Somewhere on your feed this week, a protocol promised staking yield plus lending yield plus trading fees, all in one token. You scrolled past it, or you did not. Either way, you could not check its math. After this lesson, you can.

You now know every machine on Act 2's floor. This finale snaps them together: one stack of real money through four machines, and the habit insiders never explain. Counting floors.

02 · The claim, now testable

The Web3 course made a claim once, in one line: DeFi's machines plug into machines, permissionlessly, tonight. Function first: any machine's output can be another machine's input, because they share one chain and ask nobody's permission. The names: composability, or the affectionate one, money legos.

Time to test the claim with only parts you already own. Picture a tower where every machine is a floor built on the one below. Every floor collects rent. And every floor's tenants inherit the landlord problems of all the floors underneath. We start at the ground: one ETH.

03 · Floor 1: the receipt

Build floor 1. Stake the ETH through Lido and hold the receipt: stETH, the deposit slip that became money, from Liquid Staking and Restaking. The floor earns the base rate, paid by the network for its own security. First income.

First promise added, too. Your ETH is now someone's paper: the receipt is only as good as its issuer. One floor up, one rent collected, one landlord problem inherited. Every floor will do both.

04 · Floor 2: the counter

Build floor 2. Walk the receipt to the pawnshop counter from Lending Markets: stETH as collateral on Aave. The counter pays a thin line of deposit interest, and it unlocks the real move: borrowing USDC against the receipt.

This floor is heavy with promises. The bounty hunters from Liquidations now watch your loan's health. The rate thermostat can spike your borrow cost overnight, and nobody decides it: the curve does. And the loan's meter runs whether the floor above pays or not.

05 · Floor 3: the booth

Build floor 3. The borrowed USDC goes to work as a booth from Being the House: an LP position in a stable pool. It earns swap fees, paid by traders, while the staking yield keeps ticking two floors below.

Promise added: the booth's own ledger, fees against the gap. And a quieter one: this floor stands on a loan. If the loan below turns unhealthy, floor 3's furniture gets sold to save it. Tenants inherit the landlord problems underneath.

06 · Read the tower

Step back. One ETH has passed through four machines you know by name, in one evening, through public doors, with nobody's permission. The claim from the Web3 course was true. Now read what it actually built: tap each floor for its rent and its promise.

0 of 5 floors read
07 · The tower ledger

Write the tower down and both columns show at once. One ETH, three incomes, five promises. And every income has a payer you can name now: the network pays floor 1, borrowers pay floor 2, traders pay floor 3. Who is paying? Someone different on every floor.

If any floor's payer goes quiet, that floor is decoration. Before we go on: the ground just shook. Place your bet.

ETH's price falls sharply. Which floor feels it first?
08 · The wrapper

Now the pitch from your feed comes back. A protocol offers one token: staking yield plus lending yield plus LP fees, hold it and earn all three. You have seen this tower before. In fact, you built it. What is the pitch actually describing?

Scenario
A protocol pitches one token that earns staking yield plus lending yield plus LP fees. Using the tower, what is it, and what do you ask first?
09 · The tallest tower

One test left: the edge of the lens. If every floor collects rent, a taller tower collects more. Stack receipts on receipts, floors on floors: the incomes genuinely add up. So does something else. Does the tallest tower win?

Limit test
So more floors means more yield, and the tallest tower wins?
10 · You know the machines

Act 2 is complete. The pot, the booth, the vendor's cart, the pawnshop, the bounty, the bridges, the tables, the receipts, the agents, and tonight, the tower they snap into. You know the machines. Not their names first: their functions, their payers, their promises.

One habit leaves with you: count floors. Where does this money sit, what does each floor earn, what does each floor promise. Act 3 takes that habit into the deep water, chasing the answer every machine kept postponing: where does the yield actually come from?

your balance2,400
BANK_DBowner: the bank
you2,400
what the app is actually showing you
BANK_DBowner: the bank
you2,400their pen
you hold a claim. they hold the pen.
your digital life
BANK · you2,400the bank ✍
INSTAGRAM · you2.1M followersMeta ✍
STEAM · you134 gamesValve ✍
AIRLINE · you58,200 milesthe airline ✍
four tables. zero pens that are yours.
BANK_DBowner: the bank
you2,400
DENIED
try both pens
PLATFORM_DBowner: the platform
her · 8 years2,000,000 followers
one automated decision away
BANK_DB · you · 2,400intentcompetencecontinuity
your row stands on all three
FTX_DBowner: FTX
you5 BTC
the backing vault●●●●●
the row stayed. the backing did not.
CARD_DBowner: your bank ✍
TV you never bought−1,100
fraud reversal+1,100
someone holds the pen, so someone can fix it
?_DBowner: nobody
youstill yours?
?
can a table exist that nobody owns?
?
?_DBowner: ̶n̶o̶b̶o̶d̶y̶
you100
no owner, no pen, no trust?
keeper 1
you100
keeper 2
you100
keeper 3
you100
keeper 4
you100
keeper 5
you100
no THE copy, only copies.
keeper 2
you100
keeper 3
you100
keeper 4
you100
keeper 5
you100
your copy
you100
five copies. one of them is yours.
one attacker
one attacker, ten thousand faces.
real machinesburned wattsnext page, sealed
writing costs watts. faking voters buys nothing.
cost paid OUTSIDE: hardware and power
proof of work, burn energy to vote.
page 1you · 100page 2you · 100page 3you · 100page 4you · 100
rewrite one line, break every lock after it.
office lunchtrusted keeperconsensusfive keepers, real cost
the price buys trustlessness. the office already has trust.
?
ownerless ledger
you?
a key, not a login?
nobody owns the table. so who owns your row?
composabilitystack

Two new nodes on your map

composability · stack · +10 Lynx