Money Lego describes the practice of assembling financial services from interoperable DeFi components. A lending market, exchange pool, staking token, or vault can become a building block in a larger arrangement. The phrase refers to composability; it is not a token standard, a particular protocol, or a promise of returns.
A stack of financial claims
Consider a user who receives a liquid staking token and deposits it as collateral in a compatible lending market. Borrowed stablecoins could then be supplied to another permitted strategy. Each step depends on the previous asset or claim being accepted and valued correctly.
These steps need not occur in one transaction. Whether they can be combined atomically depends on the contracts and execution environment. The metaphor alone says nothing about transaction guarantees.
Follow the underlying exposure
A stack can make the same economic exposure appear in several token balances. Adding their displayed values may double-count assets, and moving through several protocols does not necessarily diversify risk.
Borrowing adds interest and liquidation exposure; staking, lending, and the final strategy each introduce their own conditions. Net returns depend on actual income after financing costs, fees, and losses. If a foundational component fails, the effects can travel through the entire arrangement.