Just because you're using a smart contract doesn't make it any safer, if you're staking funds in a contract, lets say a Liqudity Pool contract, its' easy for me to do a flash loan attack and drain one side of the pair that is more valuable that's just a purely financial attack, as for the contract itself theres always ways to breach them
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That is true, but if you attack a smart contract you are not attacking my wallet.
If your wallet has funds in it, it will, also your shitcoin wallet can easily be blacklisted because its dependant on broadcasting via a 3rd party node, if you can't run your own node, you're larping that your shit is decentralised