Have you ever wondered,
Why do you have to pay a fee when you transfer money at the bank?
Why is the interest on your savings so pitiful,
But the interest on loans is so frighteningly high?
Why do you want to invest in a project,
But you are told "the threshold is too high and you do not meet the conditions"?

These seemingly self-evident things,
Are actually changing quietly.
And the name of this change is DeFi.

💥What is DeFi?
Like a revolution from horse-drawn carriages to cars

Imagine,
If we were still in the age of horse-drawn carriages,
What do you need to get from JB to KL?

First of all, you have to find a reliable coachman,
He will charge a lot of money.
Then, you have to go through countless toll stations,
Each station has to pay a toll.
Most importantly,
You also have to pray that the coachman will not run away halfway,
Or deliberately take a detour to charge more money.

Traditional finance is such a horse-drawn carriage system.
Banks are the coachmen,
Various financial institutions are toll stations,
And you are always the passive passenger.

DeFi is the invention of the car.
DeFi stands for Decentralized Finance,
Chinese is called decentralized finance. In short,

It is a financial system built on blockchain.
It allows you to directly "drive" without a coachman,
No need to go through those toll stations.

In the world of DeFi,
Want to transfer money? Just click Send.
Want to borrow money? Smart contracts automatically match.
Want to invest? Global opportunities are open to you.

It's like you have a private car,
Go wherever you want, without looking at anyone's face.

💥Why is DeFi important?
Because it is rewriting the rules of the game

1. It makes financial services as simple as ordering takeout
Remember what it was like to order takeout 10 years ago?
You have to flip through thick menu booklets,
Call the restaurant and wait for the delivery person who doesn't know when he will arrive.

What about now? Open the App and it's done in minutes,
You can also track the delivery progress in real time.

Traditional finance is like takeout 10 years ago
——complex, inefficient, and opaque.
DeFi is like the current takeout App
——simple, efficient, and transparent.

You want to borrow 100,000 yuan,
Traditional banks require you to provide a lot of materials,
Waiting for a long approval process,
And may be rejected in the end.

But in DeFi,
You only need to mortgage the corresponding digital assets,
Loans can be completed in minutes.

2. It breaks the geographical boundaries of finance
Imagine you are in a small county,
Want to invest in U.S. technology stocks.
In the traditional way, you need to open an international account,
Meet various conditions and bear high handling fees.

But DeFi is like building a "portal" for global finance.
No matter where you are in the world,
As long as you have the Internet, you can participate in the global financial market.

It's like going from "only being able to buy vegetables at the local vegetable market"
Has become "a global supermarket for you to choose from".

3. It allows everyone to become a "banker"
In traditional finance,
Only banks can lend money and collect interest.
But in DeFi,
You can put your digital assets into a "liquidity pool",
Provide liquidity to others and then earn income.

It's like going from "only being able to deposit money in the bank to get meager interest"
Has become "I am the bank, I collect interest".

⚠DeFi's future, what does it really have to do with you
Maybe you will say:
"I don't understand technology, and I don't speculate in coins, what does DeFi have to do with me?"

It has a lot to do with it!!!
Scenario 1: Your retirement savings
Suppose you are 30 years old now,
Deposit 2,000 yuan into your retirement account every month.

In the traditional way,
Your money will be invested in various traditional financial products,
After layers of intermediaries, the final rate of return may be only 5-8%.

But if this money can be invested through DeFi,
Removing intermediary fees, the rate of return may increase to 12-15%.
40 years later, this difference may mean that your retirement savings will be several million more.

Scenario 2: Your entrepreneurial dream
You have a great entrepreneurial idea,
But the bank is unwilling to lend money,
Traditional investors think the amount is too small to be worth investing.

In the world of DeFi,
You can go through a decentralized crowdfunding platform,
Show your project directly to global investors,
Get financial support.

It's like going from "only being able to find investors locally"
Has become "the whole world is your investor".

Scenario 3: Your daily payment
Imagine you are traveling abroad,
Need to transfer money to your family.
The traditional way requires high handling fees,
It also takes several days to arrive.

But through DeFi,
You can complete the transfer instantly,
The handling fee is only a few cents.

It's like going from "sending a letter" to "WeChat".

💥Why is the United States suddenly promoting DeFi?
Recently,
The U.S. government and regulators have suddenly begun to strongly support DeFi.
Why?

Because they saw the dominance of future finance.
Imagine,
If all the financial activities in the world are through
Dollar-based stablecoins are conducted on the blockchain,
Then the United States can directly monitor and influence global financial flows.
This is more efficient and powerful than traditional financial hegemony.

It's like going from "controlling all the banks"
Upgraded to "controlling the entire financial operating system".

The United States is playing a big game,
And DeFi is a key chess piece in this game.

💥What should you do?

Learn and understand:
Don't treat DeFi as a flood beast,
It's just a more efficient financial tool.
Just like the Internet 20 years ago,
The sooner you understand, the sooner you can seize the opportunity.

Take small steps:
You can start by understanding stablecoins,
Experience the convenience of on-chain transfers.

Pay attention to trends:
Pay attention to those who embrace regulation,
DeFi projects that combine with traditional finance.

Stay rational:
DeFi has huge potential, but it also has risks.
Don't blindly follow the trend, participate according to your own risk tolerance.

💥The future of DeFi is not a distant science fiction story,
But a reality that is happening.
It will affect your investment, your payment,
Your entrepreneurship, even your retirement life.

Just like 20 years ago,
If someone told you
"Everyone will have a computer and shop online",
You may find it incredible.

But now, people who can't use the Internet are in the minority.
The development of DeFi may be faster than the Internet.
When the tide comes,
Do you choose to stand on the shore and watch,
Or learn to swim and embrace the tide?

The choice is in your hands.
But time will not wait for you.

The future of DeFi, of course, has to do with you.
Because it is redefining what is finance,
What is value, what is possible.
And you are in it.

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