# Benefits & Risks ## Benefits Aggregating capital across multiple protocols via yield index passes several benefits on to the protocol users: * **Increased Volume Exposure** - Interest rates and volumes across DeFi protocols constantly change based on market conditions. Using a yield index allows depositors to experience normalized returns over the long-term. * **Reduced Smart Contract Risk** - All users undergo risk when depositing to a decentralized protocol; If the protocol is hacked or exploited, the user could lose funds. By using a yield index, risk is more clearly defined and losses are mitigated to a fraction of total capital. ## Protocol Risks * **Smart Contract Risk** - While the goal of the protocol's yield indexes are to reduce Smart Contract risk, depositors could still lose some or all funds if underlying protocols' contracts or Oh! Finance's own contracts were exploited. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.oh.finance/general/benefits-and-risks.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.