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From DeFi year to decade: Is mass adoption here? Experts Answer, Part 3

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From DeFi year to decade: Is mass adoption here? Experts Answer, Part 3
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He has a Master of Arts in linguistics and social anthropology and is passionate about innovative technology and its cultural and social influence as well as discursive representations. Prior to Cointelegraph, he worked as an academic curriculum developer and researcher at various educational organizations and institutions.”,”facebook”:””,”email”:”[email protected]”,”linkedin”:”https://www.linkedin.com/in/max-yakubowski-3b2a12b2/”,”created_at”:”2018-06-20 15:34:43″,”updated_at”:”2021-10-20 17:05:43″,”deleted_at”:null,”avatar”:”https://images.cointelegraph.com/images/150_aHR0cHM6Ly9zMy5jb2ludGVsZWdyYXBoLmNvbS9zdG9yYWdlL3VwbG9hZHMvdmlldy8yODI3Y2I0YjY5MGM3YWE5OTc5MzU1NDE0NWQ5YzhjYi5qcGc=.jpg”,”hash”:”aHR0cHM6Ly9jb2ludGVsZWdyYXBoLmNvbS9hdXRob3JzL21heC15YWt1Ym93c2tp”,”relativeUrl”:”https://cointelegraph.com/authors/max-yakubowski”,”user_id”:607,”language_id”:1,”name”:”Max Yakubowski”,”desc”:”Max Yakubowski is the opinion editor at Cointelegraph. 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Experts Answer, Part 3″,”twitter”:”From DeFi year to decade: Is mass adoption here? Experts Answer, Part 3″},”post_text”:{“normal”:”From DeFi year to decade: Is mass adoption here? Experts Answer, Part 3″,”twitter”:”From DeFi year to decade: Is mass adoption here? 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In the broadest way, the discourse surrounding crypto has shifted from “what to do with it” to “how to do it.” This is especially the case with the authorities, which are no longer trying to deny decentralized finance but rather trying to figure out how to deal with the industry, as it is clear to everyone that it is here to stay. And their approach is that they either adjust or they will be left behind. This is the same with the legacy finance system: Decentralized finance (DeFi) projects provide better solutions, and people are starting to realize that — not just tech enthusiasts, but regular people. Hearing about DeFi from a taxi driver, from people chatting while waiting in line in a supermarket or during an intermission in a theater — that’s where I see indicators of mainstream adoption.nn

To gain more insight on the matter, I reached out to different experts from the blockchain industry, asking: “After 2020 was named the year of DeFi, did we already see mass adoption of decentralized finance in 2021? What could help it gain even more adoption going into 2022?”nnnnnn”,”created_at”:”2021-12-22 03:34:14″,”updated_at”:”2021-12-22 03:44:16″,”sort”:1,”translations”:{“id”:3016,”explained_post_id”:3023,”title_en”:”Introduction”,”content_en”:”

In the broadest way, the discourse surrounding crypto has shifted from “what to do with it” to “how to do it.” This is especially the case with the authorities, which are no longer trying to deny decentralized finance but rather trying to figure out how to deal with the industry, as it is clear to everyone that it is here to stay. And their approach is that they either adjust or they will be left behind. This is the same with the legacy finance system: Decentralized finance (DeFi) projects provide better solutions, and people are starting to realize that — not just tech enthusiasts, but regular people. Hearing about DeFi from a taxi driver, from people chatting while waiting in line in a supermarket or during an intermission in a theater — that’s where I see indicators of mainstream adoption.nn

To gain more insight on the matter, I reached out to different experts from the blockchain industry, asking: “After 2020 was named the year of DeFi, did we already see mass adoption of decentralized finance in 2021? What could help it gain even more adoption going into 2022?”nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:34:14″,”updated_at”:”2021-12-22 03:44:16″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}},{“id”:3024,”post_id”:78295,”title”:”Alan Konevsky of PrimeBlock”,”content”:”

Alan is the chief legal officer of PrimeBlock, a sustainable Bitcoin mining operation and infrastructure solutions provider with locations spread across North America, and a part of the Bitcoin Mining Council.nn

“In terms of cryptocurrencies as technology pathways for other decentralized finance products and services, there has been good pick-up. To get into the larger threshold of adopters, it will take a combination of regulatory improvement, innovation, retail-facing products and services, and greater interoperability with legacy banking and financial services, because people are not moving 100% into DeFi right away.nn

Increasing institutional and retail acceptance of blockchain and digital infrastructure is critical. Obviously, Bitcoin and some other cryptocurrencies being accepted as an investable asset type is an important thing, and it’ll continue on its own. However, the really secular change here is the acceptance of distributed digital solutions as the new technology pathways for payments, banking and so on. It’s the acceptance of blockchain technology as the next-generation environment for banking and finance.”nnnnnn”,”created_at”:”2021-12-22 03:34:45″,”updated_at”:”2021-12-22 03:44:16″,”sort”:2,”translations”:{“id”:3017,”explained_post_id”:3024,”title_en”:”Alan Konevsky of PrimeBlock”,”content_en”:”

Alan is the chief legal officer of PrimeBlock, a sustainable Bitcoin mining operation and infrastructure solutions provider with locations spread across North America, and a part of the Bitcoin Mining Council.nn

“In terms of cryptocurrencies as technology pathways for other decentralized finance products and services, there has been good pick-up. To get into the larger threshold of adopters, it will take a combination of regulatory improvement, innovation, retail-facing products and services, and greater interoperability with legacy banking and financial services, because people are not moving 100% into DeFi right away.nn

Increasing institutional and retail acceptance of blockchain and digital infrastructure is critical. Obviously, Bitcoin and some other cryptocurrencies being accepted as an investable asset type is an important thing, and it’ll continue on its own. However, the really secular change here is the acceptance of distributed digital solutions as the new technology pathways for payments, banking and so on. It’s the acceptance of blockchain technology as the next-generation environment for banking and finance.”nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:34:45″,”updated_at”:”2021-12-22 03:44:16″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}},{“id”:3025,”post_id”:78295,”title”:”Alexander Mitrovich of Unique Network”,”content”:”

Alexander is the CEO and co-founder of Unique Network, a scalable blockchain for composable NFTs with advanced economies, and an NFT chain built for Polkadot and Kusama.nn

“Mass adoption of DeFi was not reached in 2021. What we saw was a rising adoption of crypto, mainly centralized crypto. Coinbase’s popularity does not equal DeFi adoption. What I do think is that DeFi would benefit from closer integration with nonfungible tokens. When NFTs become powered by DeFi, when typical consumers can collateralize their NFTs through DeFi, when DeFi powers the creative economy — that is when you will see quicker adoption of DeFi and all its benefits.”nnnnnn”,”created_at”:”2021-12-22 03:35:41″,”updated_at”:”2021-12-22 03:44:16″,”sort”:3,”translations”:{“id”:3018,”explained_post_id”:3025,”title_en”:”Alexander Mitrovich of Unique Network”,”content_en”:”

Alexander is the CEO and co-founder of Unique Network, a scalable blockchain for composable NFTs with advanced economies, and an NFT chain built for Polkadot and Kusama.nn

“Mass adoption of DeFi was not reached in 2021. What we saw was a rising adoption of crypto, mainly centralized crypto. Coinbase’s popularity does not equal DeFi adoption. What I do think is that DeFi would benefit from closer integration with nonfungible tokens. When NFTs become powered by DeFi, when typical consumers can collateralize their NFTs through DeFi, when DeFi powers the creative economy — that is when you will see quicker adoption of DeFi and all its benefits.”nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:35:41″,”updated_at”:”2021-12-22 03:44:16″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}},{“id”:3026,”post_id”:78295,”title”:”Brad Yasar of Eqifi”,”content”:”

Brad is the CEO of Eqifi, a decentralized finance platform for borrowing, trading and investing in digital assets backed by a regulated bank.nn

“2021 saw a mix of COVID still affecting our daily lives and ability to earn a living and opening the global trade and financial market after a very abnormal 2020. As a result, most people started looking at alternative options to going into a bank branch to get loans, as well as alternative assets to invest in to diversify from traditional stock-and-bond types of investment. This opened up people’s minds to crypto assets and decentralized finance products that diversify from traditional brick-and-mortar solutions. Combined with the already strong momentum DeFi had at the start of the year, we saw a significant increase in both the DeFi and crypto market caps.nn

With continued adoption by traditional financial businesses and increased education for the general public, I see continued strong growth for DeFi in 2022. Licensed and regulated projects like Eqifi are paving the way for a transition from anonymous, high-risk DeFi platforms to safer, more transparent versions that will be much more inviting to non-crypto and non-technical people looking to benefit from the high returns of DeFi that they have not been able to use up to this point. DeFi democratizes access to financial products that traditional banking and financing solutions have not been able to provide. With DeFi, we can offer more products cheaper to a much larger portion of the world population. If done right, this will be an excellent catalyst for global financial recovery.”nnnnnn”,”created_at”:”2021-12-22 03:36:16″,”updated_at”:”2021-12-22 03:44:16″,”sort”:4,”translations”:{“id”:3019,”explained_post_id”:3026,”title_en”:”Brad Yasar of Eqifi”,”content_en”:”

Brad is the CEO of Eqifi, a decentralized finance platform for borrowing, trading and investing in digital assets backed by a regulated bank.nn

“2021 saw a mix of COVID still affecting our daily lives and ability to earn a living and opening the global trade and financial market after a very abnormal 2020. As a result, most people started looking at alternative options to going into a bank branch to get loans, as well as alternative assets to invest in to diversify from traditional stock-and-bond types of investment. This opened up people’s minds to crypto assets and decentralized finance products that diversify from traditional brick-and-mortar solutions. Combined with the already strong momentum DeFi had at the start of the year, we saw a significant increase in both the DeFi and crypto market caps.nn

With continued adoption by traditional financial businesses and increased education for the general public, I see continued strong growth for DeFi in 2022. Licensed and regulated projects like Eqifi are paving the way for a transition from anonymous, high-risk DeFi platforms to safer, more transparent versions that will be much more inviting to non-crypto and non-technical people looking to benefit from the high returns of DeFi that they have not been able to use up to this point. DeFi democratizes access to financial products that traditional banking and financing solutions have not been able to provide. With DeFi, we can offer more products cheaper to a much larger portion of the world population. If done right, this will be an excellent catalyst for global financial recovery.”nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:36:16″,”updated_at”:”2021-12-22 03:44:16″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}},{“id”:3027,”post_id”:78295,”title”:”David Chaum of XX Network”,”content”:”

David is the founder of XX Network, a consumer-scale, quantum-ready online platform that enables value to be communicated and exchanged without revealing so-called “metadata.”nn

“Everything is already global in 2021, and we have been on a decentralization trajectory for more than a decade. Corporations have been (sort of) decentralizing for years. Central banks around the world are rushing to create their own non-decentralized cryptocurrencies. Meanwhile, some small countries are replacing their fiat currency with Bitcoin. You know we’ve reached mass adoption in DeFi, though, when the Feds come knocking. Besides, DeFi is so 2020 — NFTs are 2021. And look at the latest congressional hearings — you’ll see that the government certainly thinks mass adoption is here. Their intentions are still to be decided, but I would venture to guess they do not come in peace.nn

Cross-chain currency trading peer-to-peer, with no expensive intermediaries — that would help DeFi. So would additional privacy measures. DeFi needs to look back at its original goals — to be truly trustless and anonymous — and reimagine privacy into all future applications.”nnnnnn”,”created_at”:”2021-12-22 03:36:53″,”updated_at”:”2021-12-22 03:44:16″,”sort”:5,”translations”:{“id”:3020,”explained_post_id”:3027,”title_en”:”David Chaum of XX Network”,”content_en”:”

David is the founder of XX Network, a consumer-scale, quantum-ready online platform that enables value to be communicated and exchanged without revealing so-called “metadata.”nn

“Everything is already global in 2021, and we have been on a decentralization trajectory for more than a decade. Corporations have been (sort of) decentralizing for years. Central banks around the world are rushing to create their own non-decentralized cryptocurrencies. Meanwhile, some small countries are replacing their fiat currency with Bitcoin. You know we’ve reached mass adoption in DeFi, though, when the Feds come knocking. Besides, DeFi is so 2020 — NFTs are 2021. And look at the latest congressional hearings — you’ll see that the government certainly thinks mass adoption is here. Their intentions are still to be decided, but I would venture to guess they do not come in peace.nn

Cross-chain currency trading peer-to-peer, with no expensive intermediaries — that would help DeFi. So would additional privacy measures. DeFi needs to look back at its original goals — to be truly trustless and anonymous — and reimagine privacy into all future applications.”nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:36:53″,”updated_at”:”2021-12-22 03:44:16″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}},{“id”:3028,”post_id”:78295,”title”:”Donald Thibeau of the HBAR Foundation”,”content”:”

Donald is the co-founder and chief strategy officer of the HBAR Foundation, which helps the development of the Hedera ecosystem by providing grants and other resources to developers, startups and entrepreneurs.nn

“DeFi in 2020 proved the ability of communities to come together to form financial markets without intermediaries, but it did not yet reach mass adoption over the course of 2021. We saw horizontal growth as similar DeFi protocols deployed across multiple chains and the beginning of vertical growth. The latter is critical to mass adoption. Vertical growth in DeFi refers to the inclusion of protocols generating yield and fees for users into more financial markets, banking infrastructure and more. We are seeing the beginning of this integration with organizations like Shinhan Bank experimenting with stablecoins and DLA Piper supporting token issuance platforms. DeFi in 2022 will be defined by its incorporation into traditional banking as well as application to new marketplaces beyond finance.”nnnnnn”,”created_at”:”2021-12-22 03:37:16″,”updated_at”:”2021-12-22 03:44:16″,”sort”:6,”translations”:{“id”:3021,”explained_post_id”:3028,”title_en”:”Donald Thibeau of the HBAR Foundation”,”content_en”:”

Donald is the co-founder and chief strategy officer of the HBAR Foundation, which helps the development of the Hedera ecosystem by providing grants and other resources to developers, startups and entrepreneurs.nn

“DeFi in 2020 proved the ability of communities to come together to form financial markets without intermediaries, but it did not yet reach mass adoption over the course of 2021. We saw horizontal growth as similar DeFi protocols deployed across multiple chains and the beginning of vertical growth. The latter is critical to mass adoption. Vertical growth in DeFi refers to the inclusion of protocols generating yield and fees for users into more financial markets, banking infrastructure and more. We are seeing the beginning of this integration with organizations like Shinhan Bank experimenting with stablecoins and DLA Piper supporting token issuance platforms. DeFi in 2022 will be defined by its incorporation into traditional banking as well as application to new marketplaces beyond finance.”nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:37:16″,”updated_at”:”2021-12-22 03:44:16″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}},{“id”:3029,”post_id”:78295,”title”:”James MacFarlane of Eden Network”,”content”:”

James is the head of business development at Eden Network, an optional, non-consensus-breaking transaction-ordering protocol for Ethereum blocks. nn

“If we look at the DeFi adoption journeys for consumers, we have centralized exchanges, then wallets and then decentralized exchanges. nn

We have seen a huge growth in users on the CEX layer, but 2022 will be the year of the wallet and DEX for the mass market.nn

Users understanding the value in moving from the CEX layer to wallets like Rabby and Argent that give users very simple user interface journeys into DeFi will be the next stage of adoption in 2022.”nnnnnn”,”created_at”:”2021-12-22 03:37:37″,”updated_at”:”2021-12-22 03:44:16″,”sort”:7,”translations”:{“id”:3022,”explained_post_id”:3029,”title_en”:”James MacFarlane of Eden Network”,”content_en”:”

James is the head of business development at Eden Network, an optional, non-consensus-breaking transaction-ordering protocol for Ethereum blocks. nn

“If we look at the DeFi adoption journeys for consumers, we have centralized exchanges, then wallets and then decentralized exchanges. nn

We have seen a huge growth in users on the CEX layer, but 2022 will be the year of the wallet and DEX for the mass market.nn

Users understanding the value in moving from the CEX layer to wallets like Rabby and Argent that give users very simple user interface journeys into DeFi will be the next stage of adoption in 2022.”nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:37:37″,”updated_at”:”2021-12-22 03:44:16″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}},{“id”:3030,”post_id”:78295,”title”:”Johnny Lyu of KuCoin”,”content”:”

Johnny Lyu is the CEO of KuCoin, a secure cryptocurrency exchange that makes it easier to buy, sell and store cryptocurrencies.nn

“The growing interest of institutions in cryptocurrencies is likely to remain the decisive driving force behind the decentralized finance industry. All the corporations that have shown their penchant for cryptocurrencies this year, like Paypal, Visa and MasterCard, are probably already working out plans on how to break into this market. That said, the scenario, which implies that DeFi products will become available in popular banking applications as early as 2022, looks quite realistic.”nnnnnn”,”created_at”:”2021-12-22 03:38:16″,”updated_at”:”2021-12-22 03:44:16″,”sort”:8,”translations”:{“id”:3023,”explained_post_id”:3030,”title_en”:”Johnny Lyu of KuCoin”,”content_en”:”

Johnny Lyu is the CEO of KuCoin, a secure cryptocurrency exchange that makes it easier to buy, sell and store cryptocurrencies.nn

“The growing interest of institutions in cryptocurrencies is likely to remain the decisive driving force behind the decentralized finance industry. All the corporations that have shown their penchant for cryptocurrencies this year, like Paypal, Visa and MasterCard, are probably already working out plans on how to break into this market. That said, the scenario, which implies that DeFi products will become available in popular banking applications as early as 2022, looks quite realistic.”nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:38:16″,”updated_at”:”2021-12-22 03:44:16″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}},{“id”:3031,”post_id”:78295,”title”:”Mark Lurie of Shipyard Software”,”content”:”

Mark is the CEO and co-founder of Shipyard Software, a software company building DEXs for retail crypto traders.nn

“No, we are a long way from mass adoption of DeFi. There is certainly massive capital at play, including traditional institutions like Goldman Sachs setting up DeFi desks, but the total universe of DeFi users is only several hundred thousand people. The reason is because it is technically complicated to hold one’s own crypto and use DeFi applications. I find it hard and sometimes need to ask friends for help, and I’ve founded a DEX! Until it is simple, it won’t be adopted by the masses. But it won’t be simple until regulations are clarified, allowing companies to develop more user-centric DeFi applications.”nnnnnn”,”created_at”:”2021-12-22 03:39:03″,”updated_at”:”2021-12-22 03:44:16″,”sort”:9,”translations”:{“id”:3024,”explained_post_id”:3031,”title_en”:”Mark Lurie of Shipyard Software”,”content_en”:”

Mark is the CEO and co-founder of Shipyard Software, a software company building DEXs for retail crypto traders.nn

“No, we are a long way from mass adoption of DeFi. There is certainly massive capital at play, including traditional institutions like Goldman Sachs setting up DeFi desks, but the total universe of DeFi users is only several hundred thousand people. The reason is because it is technically complicated to hold one’s own crypto and use DeFi applications. I find it hard and sometimes need to ask friends for help, and I’ve founded a DEX! Until it is simple, it won’t be adopted by the masses. But it won’t be simple until regulations are clarified, allowing companies to develop more user-centric DeFi applications.”nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:39:03″,”updated_at”:”2021-12-22 03:44:16″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}},{“id”:3032,”post_id”:78295,”title”:”Paolo Ardoino of Bitfinex”,”content”:”

Paolo is the chief technology officer of Bitfinex, a digital asset trading platform offering state-of-the-art services for digital currency traders and global liquidity providers.nn

“DeFi continued to grow this year. As far as 2022 goes, I would encourage people to look at the Lightning Network as being, in many ways, DeFi in its truest form. Unlike many of the non-Bitcoin-based chain projects that often have a speculative component based upon the appreciation of a protocol’s token, the Lightning Network is all about payments and building services. nn

In a way, DeFi — with all its lending pools and projects running these lending pools — is more centralized than the Lightning Network. The Lightning Network has a different concept of DeFi, where you can interact directly with a single entity or person without any intermediary. nn

It will be interesting to see how the growth of the Lightning Network in 2022 plays out, especially in the context of the DeFi component being latent within the technology. This is an area that it could well be worth keeping an eye out for.”nnnnnn”,”created_at”:”2021-12-22 03:39:43″,”updated_at”:”2021-12-22 03:44:15″,”sort”:10,”translations”:{“id”:3025,”explained_post_id”:3032,”title_en”:”Paolo Ardoino of Bitfinex”,”content_en”:”

Paolo is the chief technology officer of Bitfinex, a digital asset trading platform offering state-of-the-art services for digital currency traders and global liquidity providers.nn

“DeFi continued to grow this year. As far as 2022 goes, I would encourage people to look at the Lightning Network as being, in many ways, DeFi in its truest form. Unlike many of the non-Bitcoin-based chain projects that often have a speculative component based upon the appreciation of a protocol’s token, the Lightning Network is all about payments and building services. nn

In a way, DeFi — with all its lending pools and projects running these lending pools — is more centralized than the Lightning Network. The Lightning Network has a different concept of DeFi, where you can interact directly with a single entity or person without any intermediary. nn

It will be interesting to see how the growth of the Lightning Network in 2022 plays out, especially in the context of the DeFi component being latent within the technology. This is an area that it could well be worth keeping an eye out for.”nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:39:43″,”updated_at”:”2021-12-22 03:44:15″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}},{“id”:3033,”post_id”:78295,”title”:”Rodrigo Vicuna of Prime Trust”,”content”:”

Rodrigo is the chief financial officer of Prime Trust, a blockchain-driven trust company that provides API-driven open banking solutions.nn

“DeFi has grown significantly over the last year, from around $700 million in 2020 to an estimated $60 billion to $80 billion in TVL in 2021. Some are estimating this to grow even more in 2022. Mass adoption of DeFi sits somewhere between the early adopter stage and mass growth. Institutional investors are increasingly adding Bitcoin, Ethereum and other cryptocurrencies to their portfolios, and worldwide adoption of crypto has jumped by over 880%. This shows that the digital asset and crypto industry has further expanded into the mainstream. nn

For 2022, we anticipate a convergence of institutional and individual users in addition to typical integrators. One of the challenges that DeFi still faces is the costly entry point for new users. Crypto is still unknown for many users, and the volatility and varied regulations from governing bodies are adding to this unknown; however, new and nascent market segments will continue to emerge. Over the past year, we’ve seen a 200% increase in alternative trading systems for digital assets, a 120% increase in registered investment advisor wealth-tech platforms, a 54% increase in infrastructure businesses like trading firms and blockchain development platforms, a 47% increase in retail crypto on-ramps and neobanks, and a 22% increase in crypto exchanges using our platform. We only expect this growth and adoption to continue throughout 2022.”nnnnnn”,”created_at”:”2021-12-22 03:40:08″,”updated_at”:”2021-12-22 03:44:15″,”sort”:11,”translations”:{“id”:3026,”explained_post_id”:3033,”title_en”:”Rodrigo Vicuna of Prime Trust”,”content_en”:”

Rodrigo is the chief financial officer of Prime Trust, a blockchain-driven trust company that provides API-driven open banking solutions.nn

“DeFi has grown significantly over the last year, from around $700 million in 2020 to an estimated $60 billion to $80 billion in TVL in 2021. Some are estimating this to grow even more in 2022. Mass adoption of DeFi sits somewhere between the early adopter stage and mass growth. Institutional investors are increasingly adding Bitcoin, Ethereum and other cryptocurrencies to their portfolios, and worldwide adoption of crypto has jumped by over 880%. This shows that the digital asset and crypto industry has further expanded into the mainstream. nn

For 2022, we anticipate a convergence of institutional and individual users in addition to typical integrators. One of the challenges that DeFi still faces is the costly entry point for new users. Crypto is still unknown for many users, and the volatility and varied regulations from governing bodies are adding to this unknown; however, new and nascent market segments will continue to emerge. Over the past year, we’ve seen a 200% increase in alternative trading systems for digital assets, a 120% increase in registered investment advisor wealth-tech platforms, a 54% increase in infrastructure businesses like trading firms and blockchain development platforms, a 47% increase in retail crypto on-ramps and neobanks, and a 22% increase in crypto exchanges using our platform. We only expect this growth and adoption to continue throughout 2022.”nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:40:08″,”updated_at”:”2021-12-22 03:44:15″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}},{“id”:3034,”post_id”:78295,”title”:”Simon Lapscher of Liquality”,”content”:”

Simon is a co-founder of Liquality, a multichain browser extension wallet.nn

“I think we can all agree that DeFi protocols remain at an early stage relative to the wider crypto industry. According to DeFi Llama, the total value of crypto assets in DeFi surged from roughly $5 billion to nearly $160 billion over the past year, but this is largely because of crypto traders and investors, not due to wider mass adoption. As Ethereum layer twos and alternative layer ones like Terra, Solana, Avalanche and others mature, more and more user-facing applications no longer need to deal with prohibitive gas fees, which will significantly drive adoption. This, combined with incredibly easy-to-use and incentivized DApp integrations at the wallet level, will be what drives DeFi and other areas further into mass adoption territory. If you can be anywhere in the world, download a mobile app, and go from fiat to over 20% yield in Anchor (Terra) in just a few clicks without having to understand complicated blockchain concepts, it’s a game-changer.”nnnnnn”,”created_at”:”2021-12-22 03:40:35″,”updated_at”:”2021-12-22 03:44:15″,”sort”:12,”translations”:{“id”:3027,”explained_post_id”:3034,”title_en”:”Simon Lapscher of Liquality”,”content_en”:”

Simon is a co-founder of Liquality, a multichain browser extension wallet.nn

“I think we can all agree that DeFi protocols remain at an early stage relative to the wider crypto industry. According to DeFi Llama, the total value of crypto assets in DeFi surged from roughly $5 billion to nearly $160 billion over the past year, but this is largely because of crypto traders and investors, not due to wider mass adoption. As Ethereum layer twos and alternative layer ones like Terra, Solana, Avalanche and others mature, more and more user-facing applications no longer need to deal with prohibitive gas fees, which will significantly drive adoption. This, combined with incredibly easy-to-use and incentivized DApp integrations at the wallet level, will be what drives DeFi and other areas further into mass adoption territory. If you can be anywhere in the world, download a mobile app, and go from fiat to over 20% yield in Anchor (Terra) in just a few clicks without having to understand complicated blockchain concepts, it’s a game-changer.”nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:40:35″,”updated_at”:”2021-12-22 03:44:15″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}},{“id”:3035,”post_id”:78295,”title”:”Tristan Frizza of Zeta Markets:”,”content”:”

Tristan is the core contributor to Zeta Markets, an under-collateralized DeFi derivatives platform, providing liquid derivatives trading to individuals and institutions alike.nn

“We’ve seen a Cambrian explosion in the DeFi ecosystem in 2021, with peak TVL approaching $300 billion vs the 2020 peak of $21 billion. This sounds like the growth surely has to slow. Yet, DeFi still represents just a fraction of CeFi trading volumes.nn

At Zeta, we see a clear opportunity for more and more CeFi infrastructure to be built on-chain in a permissionless manner. This will unlock innovative products that have previously been impossible to implement. The following has already started to happen:nn

    nt

  • nt

    Composability trumps the siloed products of CeFi, which has created really powerful network effects and will continue to do so.ntnt

  • nt

    DeFi UX continues to improve, DApps on Solana, in particular, are now improving with the looks and feels of CEX products (i.e., Robinhood).ntnt

  • nt

    On-chain derivatives are still in their infancy but are already showing promise (dYdX surpassing Coinbase in trading volume).ntnt

  • nt

    On-chain primitives like oracles and order books are now a reality.ntnnn

    DeFi growth sustaining itself and achieving its potential blockchain speed and transaction costs will be critical. CeFi markets rely on speed and deep liquidity. This dependency is already showing some truth, with DeFi expanding outside of the Ethereum ecosystem. We suspect this is a trend that is likely to continue in 2022 and expand the DeFi pie as a whole — cross-chain bridging will be a big theme for DeFi in the years ahead as we move toward a multi-chain world.”nn

    These quotes have been edited and condensed.nn

    The views, thoughts and opinions expressed here are the authors’ alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.nnnnnn”,”created_at”:”2021-12-22 03:42:29″,”updated_at”:”2021-12-22 03:44:15″,”sort”:13,”translations”:{“id”:3028,”explained_post_id”:3035,”title_en”:”Tristan Frizza of Zeta Markets:”,”content_en”:”

    Tristan is the core contributor to Zeta Markets, an under-collateralized DeFi derivatives platform, providing liquid derivatives trading to individuals and institutions alike.nn

    “We’ve seen a Cambrian explosion in the DeFi ecosystem in 2021, with peak TVL approaching $300 billion vs the 2020 peak of $21 billion. This sounds like the growth surely has to slow. Yet, DeFi still represents just a fraction of CeFi trading volumes.nn

    At Zeta, we see a clear opportunity for more and more CeFi infrastructure to be built on-chain in a permissionless manner. This will unlock innovative products that have previously been impossible to implement. The following has already started to happen:nn

      nt

    • nt

      Composability trumps the siloed products of CeFi, which has created really powerful network effects and will continue to do so.ntnt

    • nt

      DeFi UX continues to improve, DApps on Solana, in particular, are now improving with the looks and feels of CEX products (i.e., Robinhood).ntnt

    • nt

      On-chain derivatives are still in their infancy but are already showing promise (dYdX surpassing Coinbase in trading volume).ntnt

    • nt

      On-chain primitives like oracles and order books are now a reality.ntnnn

      DeFi growth sustaining itself and achieving its potential blockchain speed and transaction costs will be critical. CeFi markets rely on speed and deep liquidity. This dependency is already showing some truth, with DeFi expanding outside of the Ethereum ecosystem. We suspect this is a trend that is likely to continue in 2022 and expand the DeFi pie as a whole — cross-chain bridging will be a big theme for DeFi in the years ahead as we move toward a multi-chain world.”nn

      These quotes have been edited and condensed.nn

      The views, thoughts and opinions expressed here are the authors’ alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.nnnnnn”,”title_es”:””,”content_es”:”nnnn”,”title_cn”:””,”content_cn”:”nnnn”,”title_de”:””,”content_de”:”nnnn”,”title_it”:””,”content_it”:”nnnn”,”title_ar”:””,”content_ar”:”nnnn”,”title_br”:””,”content_br”:”nnnn”,”title_jp”:””,”content_jp”:”nnnn”,”created_at”:”2021-12-22 03:42:29″,”updated_at”:”2021-12-22 03:44:15″,”title_kr”:””,”content_kr”:”nnnn”,”title_tr”:””,”content_tr”:”nnnn”}}],”is_partner_material”:false,”commentsSection”:{“schemaEntityUrl”:”//cointelegraph.com/explained/from-defi-year-to-decade-is-mass-adoption-here-experts-answer-part-3″,”list”:[],”amount”:0,”i18n”:{“addComment”:”Add a comment…”,”amountOnePostfix”:”Comment”,”amountPostfix”:”Comments”,”cancel”:”Cancel”,”delete”:”Delete”,”edit”:”Edit”,”errorBig”:”Comment text cannot be longer than 2000 characters”,”errorDuplicate”:”Duplicate comment”,”errorSmall”:”Comment text must be at least 2 characters long”,”hideButton”:”Hide comments”,”noComments”:” “,”commentOnModeration”:”Comment on moderation”,”postComment”:”Post”,”reply”:”Reply”,”showAllComments”:”Show All Comments”,”showButtonPostfix”:”comments”,”showButtonPrefix”:”Show”,”signIn”:”Sign in”,”update”:”Update comment”,”commentWasDeleted”:”This comment has been deleted”}},”related”:[{“id”:46550,”retina”:”https://images.cointelegraph.com/images/1480_aHR0cHM6Ly9zMy5jb2ludGVsZWdyYXBoLmNvbS9zdG9yYWdlL3VwbG9hZHMvdmlldy84YWM0ZTQzZGJhYTllMmViYzdhNjg3MjUxZTUxM2Q0YS5qcGc=.jpg”,”img”:”https://images.cointelegraph.com/images/740_aHR0cHM6Ly9zMy5jb2ludGVsZWdyYXBoLmNvbS9zdG9yYWdlL3VwbG9hZHMvdmlldy84YWM0ZTQzZGJhYTllMmViYzdhNjg3MjUxZTUxM2Q0YS5qcGc=.jpg”,”thumb”:”https://images.cointelegraph.com/images/370_aHR0cHM6Ly9zMy5jb2ludGVsZWdyYXBoLmNvbS9zdG9yYWdlL3VwbG9hZHMvdmlldy84YWM0ZTQzZGJhYTllMmViYzdhNjg3MjUxZTUxM2Q0YS5qcGc=.jpg”,”thumb370″:”https://images.cointelegraph.com/images/370_aHR0cHM6Ly9zMy5jb2ludGVsZWdyYXBoLmNvbS9zdG9yYWdlL3VwbG9hZHMvdmlldy84YWM0ZTQzZGJhYTllMmViYzdhNjg3MjUxZTUxM2Q0YS5qcGc=.jpg”,”amp_thumb”:”https://images.cointelegraph.com/images/150_aHR0cHM6Ly9zMy5jb2ludGVsZWdyYXBoLmNvbS9zdG9yYWdlL3VwbG9hZHMvdmlldy84YWM0ZTQzZGJhYTllMmViYzdhNjg3MjUxZTUxM2Q0YS5qcGc=.jpg”,”thumb150″:”https://images.cointelegraph.com/images/150_aHR0cHM6Ly9zMy5jb2ludGVsZWdyYXBoLmNvbS9zdG9yYWdlL3VwbG9hZHMvdmlldy84YWM0ZTQzZGJhYTllMmViYzdhNjg3MjUxZTUxM2Q0YS5qcGc=.jpg”,”url”:”https://cointelegraph.com/news/blockchain-to-disrupt-music-industry-and-make-it-change-tune”,”title”:”Blockchain 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      In the broadest way, the discourse surrounding crypto has shifted from “what to do with it” to “how to do it.” This is especially the case with the authorities, which are no longer trying to deny decentralized finance but rather trying to figure out how to deal with the industry, as it is clear to everyone that it is here to stay. And their approach is that they either adjust or they will be left behind. This is the same with the legacy finance system: Decentralized finance (DeFi) projects provide better solutions, and people are starting to realize that — not just tech enthusiasts, but regular people. Hearing about DeFi from a taxi driver, from people chatting while waiting in line in a supermarket or during an intermission in a theater — that’s where I see indicators of mainstream adoption.

      To gain more insight on the matter, I reached out to different experts from the blockchain industry, asking: “After 2020 was named the year of DeFi, did we already see mass adoption of decentralized finance in 2021? What could help it gain even more adoption going into 2022?”

      Alan is the chief legal officer of PrimeBlock, a sustainable Bitcoin mining operation and infrastructure solutions provider with locations spread across North America, and a part of the Bitcoin Mining Council.

      “In terms of cryptocurrencies as technology pathways for other decentralized finance products and services, there has been good pick-up. To get into the larger threshold of adopters, it will take a combination of regulatory improvement, innovation, retail-facing products and services, and greater interoperability with legacy banking and financial services, because people are not moving 100% into DeFi right away.

      Increasing institutional and retail acceptance of blockchain and digital infrastructure is critical. Obviously, Bitcoin and some other cryptocurrencies being accepted as an investable asset type is an important thing, and it’ll continue on its own. However, the really secular change here is the acceptance of distributed digital solutions as the new technology pathways for payments, banking and so on. It’s the acceptance of blockchain technology as the next-generation environment for banking and finance.”

      Alexander is the CEO and co-founder of Unique Network, a scalable blockchain for composable NFTs with advanced economies, and an NFT chain built for Polkadot and Kusama.

      “Mass adoption of DeFi was not reached in 2021. What we saw was a rising adoption of crypto, mainly centralized crypto. Coinbase’s popularity does not equal DeFi adoption. What I do think is that DeFi would benefit from closer integration with nonfungible tokens. When NFTs become powered by DeFi, when typical consumers can collateralize their NFTs through DeFi, when DeFi powers the creative economy — that is when you will see quicker adoption of DeFi and all its benefits.”

      Brad is the CEO of Eqifi, a decentralized finance platform for borrowing, trading and investing in digital assets backed by a regulated bank.

      “2021 saw a mix of COVID still affecting our daily lives and ability to earn a living and opening the global trade and financial market after a very abnormal 2020. As a result, most people started looking at alternative options to going into a bank branch to get loans, as well as alternative assets to invest in to diversify from traditional stock-and-bond types of investment. This opened up people’s minds to crypto assets and decentralized finance products that diversify from traditional brick-and-mortar solutions. Combined with the already strong momentum DeFi had at the start of the year, we saw a significant increase in both the DeFi and crypto market caps.

      With continued adoption by traditional financial businesses and increased education for the general public, I see continued strong growth for DeFi in 2022. Licensed and regulated projects like Eqifi are paving the way for a transition from anonymous, high-risk DeFi platforms to safer, more transparent versions that will be much more inviting to non-crypto and non-technical people looking to benefit from the high returns of DeFi that they have not been able to use up to this point. DeFi democratizes access to financial products that traditional banking and financing solutions have not been able to provide. With DeFi, we can offer more products cheaper to a much larger portion of the world population. If done right, this will be an excellent catalyst for global financial recovery.”

      David is the founder of XX Network, a consumer-scale, quantum-ready online platform that enables value to be communicated and exchanged without revealing so-called “metadata.”

      “Everything is already global in 2021, and we have been on a decentralization trajectory for more than a decade. Corporations have been (sort of) decentralizing for years. Central banks around the world are rushing to create their own non-decentralized cryptocurrencies. Meanwhile, some small countries are replacing their fiat currency with Bitcoin. You know we’ve reached mass adoption in DeFi, though, when the Feds come knocking. Besides, DeFi is so 2020 — NFTs are 2021. And look at the latest congressional hearings — you’ll see that the government certainly thinks mass adoption is here. Their intentions are still to be decided, but I would venture to guess they do not come in peace.

      Cross-chain currency trading peer-to-peer, with no expensive intermediaries — that would help DeFi. So would additional privacy measures. DeFi needs to look back at its original goals — to be truly trustless and anonymous — and reimagine privacy into all future applications.”

      Donald is the co-founder and chief strategy officer of the HBAR Foundation, which helps the development of the Hedera ecosystem by providing grants and other resources to developers, startups and entrepreneurs.

      “DeFi in 2020 proved the ability of communities to come together to form financial markets without intermediaries, but it did not yet reach mass adoption over the course of 2021. We saw horizontal growth as similar DeFi protocols deployed across multiple chains and the beginning of vertical growth. The latter is critical to mass adoption. Vertical growth in DeFi refers to the inclusion of protocols generating yield and fees for users into more financial markets, banking infrastructure and more. We are seeing the beginning of this integration with organizations like Shinhan Bank experimenting with stablecoins and DLA Piper supporting token issuance platforms. DeFi in 2022 will be defined by its incorporation into traditional banking as well as application to new marketplaces beyond finance.”

      James is the head of business development at Eden Network, an optional, non-consensus-breaking transaction-ordering protocol for Ethereum blocks. 

      “If we look at the DeFi adoption journeys for consumers, we have centralized exchanges, then wallets and then decentralized exchanges. 

      We have seen a huge growth in users on the CEX layer, but 2022 will be the year of the wallet and DEX for the mass market.

      Users understanding the value in moving from the CEX layer to wallets like Rabby and Argent that give users very simple user interface journeys into DeFi will be the next stage of adoption in 2022.”

      Johnny Lyu is the CEO of KuCoin, a secure cryptocurrency exchange that makes it easier to buy, sell and store cryptocurrencies.

      “The growing interest of institutions in cryptocurrencies is likely to remain the decisive driving force behind the decentralized finance industry. All the corporations that have shown their penchant for cryptocurrencies this year, like Paypal, Visa and MasterCard, are probably already working out plans on how to break into this market. That said, the scenario, which implies that DeFi products will become available in popular banking applications as early as 2022, looks quite realistic.”

      Mark is the CEO and co-founder of Shipyard Software, a software company building DEXs for retail crypto traders.

      “No, we are a long way from mass adoption of DeFi. There is certainly massive capital at play, including traditional institutions like Goldman Sachs setting up DeFi desks, but the total universe of DeFi users is only several hundred thousand people. The reason is because it is technically complicated to hold one’s own crypto and use DeFi applications. I find it hard and sometimes need to ask friends for help, and I’ve founded a DEX! Until it is simple, it won’t be adopted by the masses. But it won’t be simple until regulations are clarified, allowing companies to develop more user-centric DeFi applications.”

      Paolo is the chief technology officer of Bitfinex, a digital asset trading platform offering state-of-the-art services for digital currency traders and global liquidity providers.

      “DeFi continued to grow this year. As far as 2022 goes, I would encourage people to look at the Lightning Network as being, in many ways, DeFi in its truest form. Unlike many of the non-Bitcoin-based chain projects that often have a speculative component based upon the appreciation of a protocol’s token, the Lightning Network is all about payments and building services. 

      In a way, DeFi — with all its lending pools and projects running these lending pools — is more centralized than the Lightning Network. The Lightning Network has a different concept of DeFi, where you can interact directly with a single entity or person without any intermediary. 

      It will be interesting to see how the growth of the Lightning Network in 2022 plays out, especially in the context of the DeFi component being latent within the technology. This is an area that it could well be worth keeping an eye out for.”

      Rodrigo is the chief financial officer of Prime Trust, a blockchain-driven trust company that provides API-driven open banking solutions.

      “DeFi has grown significantly over the last year, from around $700 million in 2020 to an estimated $60 billion to $80 billion in TVL in 2021. Some are estimating this to grow even more in 2022. Mass adoption of DeFi sits somewhere between the early adopter stage and mass growth. Institutional investors are increasingly adding Bitcoin, Ethereum and other cryptocurrencies to their portfolios, and worldwide adoption of crypto has jumped by over 880%. This shows that the digital asset and crypto industry has further expanded into the mainstream. 

      For 2022, we anticipate a convergence of institutional and individual users in addition to typical integrators. One of the challenges that DeFi still faces is the costly entry point for new users. Crypto is still unknown for many users, and the volatility and varied regulations from governing bodies are adding to this unknown; however, new and nascent market segments will continue to emerge. Over the past year, we’ve seen a 200% increase in alternative trading systems for digital assets, a 120% increase in registered investment advisor wealth-tech platforms, a 54% increase in infrastructure businesses like trading firms and blockchain development platforms, a 47% increase in retail crypto on-ramps and neobanks, and a 22% increase in crypto exchanges using our platform. We only expect this growth and adoption to continue throughout 2022.”

      Simon is a co-founder of Liquality, a multichain browser extension wallet.

      “I think we can all agree that DeFi protocols remain at an early stage relative to the wider crypto industry. According to DeFi Llama, the total value of crypto assets in DeFi surged from roughly $5 billion to nearly $160 billion over the past year, but this is largely because of crypto traders and investors, not due to wider mass adoption. As Ethereum layer twos and alternative layer ones like Terra, Solana, Avalanche and others mature, more and more user-facing applications no longer need to deal with prohibitive gas fees, which will significantly drive adoption. This, combined with incredibly easy-to-use and incentivized DApp integrations at the wallet level, will be what drives DeFi and other areas further into mass adoption territory. If you can be anywhere in the world, download a mobile app, and go from fiat to over 20% yield in Anchor (Terra) in just a few clicks without having to understand complicated blockchain concepts, it’s a game-changer.”

      Tristan is the core contributor to Zeta Markets, an under-collateralized DeFi derivatives platform, providing liquid derivatives trading to individuals and institutions alike.

      “We’ve seen a Cambrian explosion in the DeFi ecosystem in 2021, with peak TVL approaching $300 billion vs the 2020 peak of $21 billion. This sounds like the growth surely has to slow. Yet, DeFi still represents just a fraction of CeFi trading volumes.

      At Zeta, we see a clear opportunity for more and more CeFi infrastructure to be built on-chain in a permissionless manner. This will unlock innovative products that have previously been impossible to implement. The following has already started to happen:

      • Composability trumps the siloed products of CeFi, which has created really powerful network effects and will continue to do so.

      • DeFi UX continues to improve, DApps on Solana, in particular, are now improving with the looks and feels of CEX products (i.e., Robinhood).

      • On-chain derivatives are still in their infancy but are already showing promise (dYdX surpassing Coinbase in trading volume).

      • On-chain primitives like oracles and order books are now a reality.

      DeFi growth sustaining itself and achieving its potential blockchain speed and transaction costs will be critical. CeFi markets rely on speed and deep liquidity. This dependency is already showing some truth, with DeFi expanding outside of the Ethereum ecosystem. We suspect this is a trend that is likely to continue in 2022 and expand the DeFi pie as a whole — cross-chain bridging will be a big theme for DeFi in the years ahead as we move toward a multi-chain world.”

      These quotes have been edited and condensed.

      The views, thoughts and opinions expressed here are the authors’ alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.

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Wait, what? Former Bitcoin bull Raoul Pal only owns one Bitcoin?

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Wait, what? Former Bitcoin bull Raoul Pal only owns one Bitcoin?

Former Goldman Sachs hedge fund manager and cryptocurrency bull Raoul Pal claimed in a tweet that he now only owns a single Bitcoin.

As the claim was made in the heat of a Twitter fight with self-proclaimed “Bitcoin Strategist” Greg Foss it’s not entirely clear whether it’s an exaggeration or an accurate statement about his holdings. Pal is the founder and CEO of Real Vision and Global Macro while Foss is an executive director at Validus Power Corp.

The revelation of his apparently small holding certainly caused uproar and angst among Bitcoin true believers, who’ve looked at Pal askance ever since he started calling Ethereum “the greatest trade” and predicted that ETH and altcoins will eventually outperform BTC.

Fascinating to see that since inception ETH has outperformed BTC by 250%. It only fell below its initial price in BTC for the first 5 months of its existence in 2015.

Let that put rest to the idea that all other tokens trend towards zero in BTC terms. pic.twitter.com/ulCpsjG8up

— Raoul Pal (@RaoulGMI) April 7, 2021

Pal first purchased BTC in Nov 2013. He sold for a 10X profit in the so-called “fork-wars” of 2017 (missing out on an even bigger gain later that year) before adding to his collection in 2019 through 2020. In May 2021, he confirmed that he owned more ETH than BTC. At time of writing, Bitcoin (BTC) is worth $40,925.

The barney was instigated by Foss, who tweeted “Raoul is soft” followed by another intellectual tweet, “Raoul sucks and blows” shortly after. After some back and forth between Pal and the Bitcoin maxi, Pal posted that people like Foss and the Bitcoin community’s exclusionary ideology are why he only holds one Bitcoin.

And that is your issue. I don’t share your philosophy, so you attack me? Really? This is why I hold only one bitcoin, the community has lost sight of inclusion and you sir, are helping reduce the network effects by excluding people who dont share your view from the network.

— Raoul Pal (@RaoulGMI) January 20, 2022

This upset the Bitcoiner community, many who claimed he had let emotion cloud logic. “His feelings are hurting his future,” commented one user Emanuel in a reply to Bitcoin Meme Hub tweet. “I knew when he started to sip Vitalik’s coolaid he was a goner,” added another user, Jalan Foster.

The founder of Synaptic Ventures Marc van der Chijs complained that the fact Pal only owns one BTC based on the makeup of the community and not on the potential return “goes totally against the gospel he preaches on RealVision.”

However, some defended Pal, pointing to his impressive track record and reminding followers that he is in fact a trader, not a holder. Crypto analyst and founder of Crypto My Way “Coach T” wrote that he appreciates Pal’s “diverse views and intelligent thinking.”

Foss vs. Pal: a Twitter feud

It appears that the argument was in response to a disagreement on Pal’s stance on inflation and bonds as a trading vehicle. Foss explained that he didn’t support Pal promoting his trading strategy to others who don’t entirely understand how it works.

Pal disagreed, explaining that his views on bonds are “a trade, not a philosophy.” Despite this, in a following comment on the thread, Pal claimed that he doesn’t own any bonds.

Ok, lets do math. If Im right and bonds can rally 20% in 12 months (just use TLT) that is faster than the balance sheet expansion, thus its a net win to your purchasing power. If you hold bonds to maturity you lose. Issue?

— Raoul Pal (@RaoulGMI) January 20, 2022

Three hours after posting the original tweet attacking Pal, the argument eventually culminated in Foss tweeting an apology saying that he “regrets his actions,” adding that he “made a rookie error” and that he has “bigger battles to fight.”

Related: Raoul Pal says ‘reasonable chance’ crypto market cap could 100x by 2030

Just weeks ago, Pal said that he believes there is a “reasonable chance” that the crypto market capitalization will increase 100 times by the end of this decade. Hoping he’s right about that is perhaps something on which we can all agree.

Cointelegraph reached out to Raoul Pal via Real Vision and will update the story with any response.

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Multichain hacker returns 322 ETH, keeps hefty finders fee

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Multichain hacker returns 322 ETH, keeps hefty finders fee

Owing to a security vulnerability in six tokens, Multichain users lost more than $3M over the week. A white hat hacker returned 322 ETH, but in excess of 527 ETH is still exploited.

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Multichain hacker returns 322 ETH, keeps hefty finders fee

In a dramatic twist, one of this week’s Multichain hackers has returned 322 ETH ($974,000 at the time of writing) to the cross-chain router protocol and one of the affected users.

However the hacker kept 62 ETH ($187,000) as a “bug bounty”, and a total of 528 ETH (worth $1.6M) remains outstanding after the exploits.

Earlier this week, news emerged of a security vulnerability with Multichain relating to the tokens WETH, PERI, OMT, WBNB, MATIC, and AVAX, and $1.43 million was stolen. Multichain announced on Jan. 17 the critical vulnerability had been “reported and fixed.”

However, publicity about the vulnerability reportedly encouraged a number of different attackers to swoop in, and more than $3 million in funds were stolen. The critical vulnerability in the six tokens still exists, but Multichain has drained around $44.5m of funds from multiple chain bridges to protect them.

Yeah, bridge contract need pause function. https://t.co/lPjLsE5EtR

— Zhaojun (@zhaojun_sh) January 20, 2022

One of the hackers, calling himself a “white hat” has been in communication with both Multichain and a user who lost $960,000 in the past day or so, to negotiate returning 80% of the money in return for a hefty finders fee.

According to a Jan. 20 tweet from ZenGo wallet co-founder Tal Be’ery, the hacker claimed they hadbeen “saving the rest” of the Multichain users who were being targeted by bots, in an act of defensive hacking.

The funds were returned across four transactions. On Jan. 20 the hacker returned 269 ETH ($813,000) in two transactions directly to the user he stole it from and kept a bug bounty of 50 ETH ($150,000).

The relieved user responded to the hacker:

“Well received, thank you for your honesty.”

Overnight, the hacker also returned 50 ETH ($150,000) across two transactions to the official Multichain address, and kept a bug bounty of 12 ETH ($36,000).

Related: Multichain asks users to revoke approvals amid ‘critical vulnerability’

Multichain (formerly Anyswap) aims to be the “ultimate router for Web3.” The platform supports 30 chains at the moment, including Bitcoin (BTC), Ethereum (ETH), Avalanche (AVAX), Litecoin (LTC), Terra (LUNA), and Fantom (FTM).

In a tweet on Jan. 20, the Co-Founder and CEO of Multichain Zhaojun conceded that Multichain bridge contracts need a pause function to deal with similar incidents in future..

Cointelegraph has contacted the project for comment.

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Australia’s plan to create a crypto competitive edge in 12 steps

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Australia’s plan to create a crypto competitive edge in 12 steps

In October 2021, the Senate Committee for Australia as a Technology and Financial Centre released its much-awaited recommendations for how cryptocurrency should be regulated. The 168-page final report boils down to 12 recommendations aimed at striking the right balance between creating legitimacy without stifling innovation. 

This is a landmark report that demonstrates Australia’s clear efforts to put itself at the forefront of crypto investment globally. The chair of the committee, Senator Andrew Bragg, believes that “Australia can be a leader in digital assets” and is confident that it can particularly “be competitive with Singapore, the UK and the US.”

Four key recommendations

First, the introduction of a range of new crypto-specific licenses and regulations. For too long, regulators around the world have been trying to put square pegs (cryptocurrency) into round holes (traditional financial regulation). This approach underestimates the fundamental differences that exist as well as the potential that digital assets have to transform the world. This report acknowledges crypto’s potential and calls for a range of bespoke cryptocurrency licenses in Australia. It recommends a specific market licensing regime for digital exchanges as well as a bespoke custody regime for digital assets. Details will still need to be fleshed out but if we get these frameworks right, then this will create the legitimacy that the sector needs to take off into the mainstream.

Second, the introduction of a decentralized autonomous organization (DAO) entity type into Australian corporate law. This recommendation is a very big deal, as it shows that the Australian government is open to decentralized finance (DeFi) as well as crypto innovation. Wyoming is the only region I have heard of that has something like this in place, so this could put Australia on the front foot. If approved, DAOs could provide a unique utility that may bring the Australian economy a decade ahead into a decentralized future. However, this will also be the hardest thing for the Committee to get approved, as changes to the Corporations Act are infamously rare in Australia. If anyone can do it, it’s Senator Bragg though.

Third, improved tax rules for crypto-to-crypto transactions. Recent Finder research shows that over 17% of Australians own cryptocurrency — the third-highest rate of adoption in the world. However, this growing group has had to grapple with tax rules that are confusing at best. Historically, crypto-to-crypto transfers have been considered a capital gain by the Australian Tax Office. The new recommendation calls for tax only when there has been “a clearly definable capital gain or loss.” Again, the devil will be in the detail on this one but active Australian crypto users could be the real winners.

Fourth, new tax incentives to encourage green crypto mining. The Committee recommends a 10% company tax discount for crypto mining businesses that use renewable energy. This looks like a smart move to support two high-growth Australian industries: renewable energy and cryptocurrency. This will be especially important as the Committee tries to get these recommendations signed off against a backdrop of COP26 and rising concerns about climate change.

Related: Crypto staking rewards and their unfair taxation in the US

Three tough issues

  • Timelines for turning recommendations into law. Right now, these are all just recommendations, and are worth as much as the political will that exists to enact them. As with other countries, politics in Australia moves slowly and this will be no different. Senator Andrew Bragg is bullish that he can get all the recommendations passed in 12 months and I back him to get it done. His cause could also be supported by a growing view that crypto innovation could be a vote-winner with young Australians in a looming federal election, as nearly a third of Generation Z already own cryptocurrency.
  • Implications for crypto businesses during the pre-reform period. If it takes a year to introduce new laws then there are still questions about what crypto businesses can do in the meantime. Many submissions called for a “safe harbor” against regulation until rules had been finalized but this was not explicitly recommended by the Committee. However, the direction of travel has been set and there is clear support for crypto innovation and an acknowledgment that new rules and licenses are needed. I would be surprised if we saw much in the way of regulatory action until then.
  • Specifics for the licensing and tax proposals. Many of these recommendations were light on detail and it looks like the Australian Treasury will now lead on these matters. The industry will be very interested to know what the requirements for being a custodian or digital exchange will be, particularly when it comes to capital requirements. If there’s too much regulatory burden, then businesses will move offshore. Likewise, consumers will need more clarity on what a “clearly definable capital gain or loss” is for tax purposes. In many ways, the work starts now.

Related: Crypto makes history in 2021: Five instances of governments embracing digital assets

Learnings for governments around the world

The crypto industry is ready to talk policy. It’s fair to say that this Select Committee was inundated with engagement from crypto businesses, academics, peak bodies and regulators. More than 100 written submissions contributed and there were three full days of public hearings. It’s not often that an industry is asking for more regulation but that is what is happening here. The crypto industry around the world wants clarity and is ready to have a conversation about policy.

Broad reviews are more effective than siloed approaches. One key reason that this consultation had so much engagement was that it looked at the digital asset industry holistically rather than from one angle only. A problem we’re seeing around the world is regulators interested in looking at crypto assets from their specific regulatory view, but broad innovation shouldn’t be assessed through such a narrow lens. This consultation managed to look at the industry holistically while still getting into the specific issues. I welcome more reviews like it around the world.

Bespoke digital asset policy approaches will be needed. Digital assets have hit critical velocity and the revolution can no longer be ignored. Piecemeal changes to legacy financial services policy will not work. We need policymakers around the world to work together to create bespoke policies that are fit-for-purpose. Coinbase captures this well in pillar one of its Digital Asset Policy Proposal (DAPP). The DAPP calls for “a new framework for how we regulate digital assets” that “will ensure that innovation can occur in ways that are not hampered by the difficulty of transitioning from our legacy market structure.” These recommendations in Australia are an attempt at doing exactly that which many can learn from.

What is clear is that the world is changing. This Senate Committee in Australia should be applauded for taking a holistic approach and recommending bespoke policy instruments. It’s time for policymakers around the world to follow suit and take a broad look at their approach to digital assets.

This article does not contain investment advice or recommendations. Every investment and trading move involves risk, and readers should conduct their own research when making a decision.

The views, thoughts and opinions expressed here are the author’s alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.

Fred Schebesta is an Australian-born entrepreneur and early-stage investor, founder of global fintech Finder, now worth over half a billion dollars. Fred recently launched blockchain investment fund Hive Empire Capital and co-founded Balthazar, a DAO platform for NFT gaming. With 22 years of experience in building businesses, Fred just released a Number One Amazon Best Selling book, Go Live! 10 Principles to Launch a Global Empire.

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