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With the world steadily adopting cryptocurrencies and adjoining innovations, many have also continued to cry foul about the risk of putting money in a young market. While traditional systems have remained relatively stagnant and overregulated, DeFi offers an alternative that is ever innovative. Peer-to-peer payments enabled by cryptocurrency have increased involvement in the global economy for millions of people who do not have access to traditional banking services. The advent of decentralized finance (DeFi) promises to broaden access to financial services such as savings, loans, derivatives, asset management, and insurance. People use DeFi to lend or borrow money and earn

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