Members of the MakerDao community have suggested that the level of centralization of lenders increase.

On December 10, MakerDao community members announced at the management meeting that the MakerDao borrower base is growing. We know that Nexo, Celcius and Seven Employees loans represent 55% of total MakerDAO loans and 60% of MakerDAO capital loans. Among them, Nexo and Celsius are usually CeFi platforms that stream DAI and offer users of their platform, and 7-Farmer is a collection of 7 wallets with the same behavioral design, often made for the same different price on different platforms.