ChainCatcher message, the research from the Bank for International Settlements (BIS) emphasizes the importance of borrower behavior in the decentralized finance space and the dynamics of the DeFi market for the design and management of platforms involving tokenized assets.The study found that DeFi borrowers typically avoid excessive leverage, adopt conservative practices, and deposit more funds when past returns are higher. These findings contribute to understanding the impact of DeFi on financial stability and provide countermeasures.