DeFi: Banking Without Banks

The $100 Billion+ Revolution in Open Finance

Decentralized Finance (DeFi) is rebuilding the entire financial system on blockchain — open to anyone with an internet connection. No KYC. No borders. No permission.

$127B

Total Value Locked in DeFi (Nov 2025)

The Core Primitives

Lending & Borrowing

Earn 8–15% APY on stablecoins. Borrow against crypto collateral.

12.4% APY

Risk: Smart contract bugs

Decentralized Exchanges

Trade any token instantly. No order book. Just liquidity pools.

Uniswap: $5B daily volume

Yield Farming

Provide liquidity → earn governance tokens → vote on protocol.

Up to 100%+ APY

Impermanent loss

Why DeFi Wins

Permissionless: Anyone can build or use
Composable: Protocols plug into each other ("Money Legos")
Transparent: All transactions on-chain
Global: 24/7 markets, no holidays
Programmable: Automate strategies with code

The Future: DeFi 2.0 & Beyond

Next wave includes:

Real-world assets (real estate, invoices) on-chain
Undercollateralized loans via credit scores
Insurance protocols (Nexus Mutual)
Prediction markets (Polymarket)
Decentralized identity + lending

193 Countries

DeFi users from nearly every nation on Earth

DeFi isn't just an alternative to banks — it's the upgrade the world has been waiting for.

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