Just check out the new fee structure,

International wire    0.100% of the withdrawal amount, with a minimum of $20.00
Charged on your existing swaps, paid by the liquidity provider   15.0% (of the swaps generated by active contracts)

If I'm wiring $100k, that will be $100 USD, which is a bit excessive, esp I know I'll be withdrawing to a local HSBC HK account!  In addition, the lending fee is now up to 15%, which is a huge increase.  I highly recommend removing the flash return rate to allow for more efficient rate discovery instead of having rate artificially manipulated (I know Ente has other opinion on this), as borrower always have option to return fund early but lenders can never recall.  Margin loan outstanding approach $16 million yet interest yet the FRR keeps declining.

lastly, there's no more mention of lender insurance, so I suppose that is gone completely, or are all lender funds now 'insured'?