# Current Problem A significant challenge in the DeFi is accessing yield derived from US Treasury bills in a permissionless manner. Additionally, the majority of today’s RWAs face obstacles in on-chain integration, requiring thorough KYC procedures and limiting assets to isolated DeFi products (where you cannot have pools of non KYC’ed funds integrated with KYC’ed funds), reducing their utility. The public good, `Bloom-v2`, addresses the KYC and access issues to on-chain products deriving from US Treasuries, but still fails at fully being able to integrate within DeFi due to the production of multiple short date tokens. This makes having sufficient market depth nearly impossible creating another bottleneck within the quest to find the perfect on-chain DeFi Rwa T-bill product. --- # 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.stakeup.finance/protocol/current-problem.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.