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In the latest panel discussion on digital currencies at the U.S. Securities and Exchange Commission (SEC), prominent figures discussed decentralized finance (DeFi), programming, and regulation:

• SEC Chair, Gary Gensler: "Engineers should not be held responsible for how others use their programming."

• Hester Peirce: "Programming is free speech protected by the First Amendment."

• Erik Voorhees: "Smart contracts are a gradual improvement over human regulators."

• Others argued that decentralization is not lawless - rather it is transparent, predictable, and user-driven.

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