The developing DeFi sector offers a multitude of undeniable advantages for users — regardless of their capital, age, or country of residence. All you need is a smartphone and internet access — and you already have access to savings, loans, and other financial instruments, without KYC, paperwork, and intermediaries.

For those outside the banking system, it provides a way to securely manage their money without bureaucracy and other barriers; and in countries with high inflation, stablecoins become an alternative to depreciating fiat currencies. Everything operates on smart contracts — quickly, transparently, and without "we will call you back".

However, DeFi still resembles the "Wild West" — lacking clear regulation and with the risk of manipulation, which alarms institutions and regulators. But the industry is maturing rapidly: tools for tracking and preventing dishonest schemes are becoming more effective.