Beli KriptoPasarSpotFuturesGOLDTabunganPusat Acara
Lainnya
Emas vs Kripto
In 2020, DeFi began to flourish, and in 2021, DeFi Summer ignited the market. In 2022, the total value locked reached a historic high of $219.47 billion. So, what exactly is decentralized finance? 1.In 2020, DeFi began to flourish, and in 2021, DeFi Summer ignited the market. In 2022, the total value locked reached a historic high of $219.47 billion. So, what exactly is decentralized finance? 1.
Belajar/Ensiklopedia Blockchain/DeFi/What is Dec...nce (DeFi)?

What is Decentralized Finance (DeFi)?

Penulis: MEXC
Jul 16, 2025MEXC
0m
#Basic#DeFi#Industry Buzz#Beginners#Ethereum#Basic Concepts
DeFi
DEFI$0.000334-8.24%
Smart Blockchain
SMART$0.005139-6.73%
CROSS
CROSS$0.06565-4.88%
Suilend
SEND$0.09312-0.68%
Overtake
TAKE$0.01618-6.09%

In 2020, DeFi began to flourish, and in 2021, DeFi Summer ignited the market. In 2022, the total value locked reached a historic high of $219.47 billion. So, what exactly is decentralized finance?

1. What is Decentralized Finance (DeFi)?


DeFi, short for Decentralized Finance, is a financial ecosystem built on blockchain networks through smart contracts. The problems that DeFi aims to solve include decentralization, eliminating rent-seeking intermediaries, and improving the current financial system with low barriers and high efficiency.

For example, let's consider cross-border payments in traditional finance. When someone needs to send money to someone in another country, they typically have to approach a financial institution and go through a registration and verification process, which involves third-party intermediaries charging fees. Additionally, it may take several working days to complete the transaction.

In DeFi, however, users only need to send their assets from their wallet accounts directly to the recipient, without the need for third-party intermediaries. Transactions are usually completed within 1 hour and are not constrained by human working hours.


2. Advantages of DeFi


Compared to traditional centralized finance, DeFi offers the following advantages:

Decentralization: DeFi allows for the direct bypass of intermediaries and arbitration institutions. Codes can provide solutions for various potential disputes, and users have full control over their funds through private keys. This approach reduces the cost of using products and contributes to a more harmonious financial ecosystem.

Low Barriers: Anyone has permission to access and enjoy DeFi financial services, without entry barriers based on identity or income. This has the potential to cover groups that are unable to access financial services in the real world.

Open Source and Open Access: All protocols are open source, allowing anyone to build new financial products and services on the protocols. This is one of the main factors driving the rapid development of this field.

3. DeFi Use Cases 


Just as there are various decentralized applications, there are also numerous use cases for decentralized finance (DeFi). These include decentralized exchanges, lending, payments, wealth management, insurance, asset financing, and more specialized areas.

Payments: Similar to Bitcoin, all smart contract platforms can send funds worldwide, making it as simple and fast as sending an email.

Decentralized Exchanges (DEX): Users can self-manage their funds through private keys on DEX platforms. No registration or verification is needed, and users can conveniently exchange any tokens they need.

Decentralized Lending: Anyone who can provide collateral can directly complete lending without revealing information to third parties. Borrowers secure loans by collateralizing their crypto assets and paying interest, while lenders earn interest by depositing assets on the platform.

Stablecoins: These are digital tokens pegged to specific assets, with many anchoring to widely accepted currencies like the US Dollar. For many financial products and general consumption, it's challenging to handle the high volatility of cryptocurrencies. The emergence of stablecoins addresses this issue. The growing stablecoin market provides strong support for DeFi.

Decentralized Insurance: Decentralized insurance aims to make insurance cheaper, faster, and more transparent. As automation increases, insurance becomes more affordable.

4. Top DeFi Applications


4.1 Uniswap


Uniswap is a decentralized trading protocol built on Ethereum, allowing for quick and convenient exchange transactions between ETH and all ERC20 tokens. It pioneered the use of the Automated Market Maker (AMM) model, helping DEX to successfully enter the mainstream market.

Uniswap is currently the largest DEX in the blockchain industry, supporting 7 public chains including ETH, Polygon, Arbitrum, Optimism, BNB Chain, Avalanche, and Celo. Uniswap also supports NFT trading, aggregating orders from trading markets like OpenSea, X2Y2, SudoSwap, LooksRare NFT, making it a comprehensive decentralized trading platform.

4.2 AAVE


Aave is a decentralized lending system based on Ethereum, allowing users to borrow, lend, and earn interest on various crypto assets without intermediaries.

4.3 Lido


A liquidity staking platform providing a decentralized staking solution for proof-of-stake (POS) chains. Lido is currently the largest decentralized staking protocol for ETH 2.0, offering liquidity to staked assets.

4.4 MakerDAO


MakerDAO is the first and the largest decentralized stablecoin project.

5. Summary


DeFi aims to address financial inequality and create a more equitable and open financial system. While it has made significant progress and development during the previous bullish market cycle, it is still in its early stages compared to traditional finance. The user base is relatively small, and there is a higher focus on speculative and arbitrage activities. There is still a distance to go before it can truly help a broader population access financial services.

However, we believe that the trend of decentralization will continue. With more resources and innovation being poured into it, DeFi will play an increasingly important role in the financial sector.


Peluang Pasar
Logo DeFi
Harga DeFi(DEFI)
$0.000334
$0.000334$0.000334
-7.47%
USD
Grafik Harga Live DeFi (DEFI)

Artikel Populer

Cara Membaca RSI XRP: Overbought, Oversold, dan Apa Artinya Sebenarnya

Cara Membaca RSI XRP: Overbought, Oversold, dan Apa Artinya Sebenarnya

Jika Anda pernah melihat grafik harga XRP dan merasa benar-benar bingung, Anda tidak sendirian. Sebagian besar pemula melewatkan indikator RSI tanpa menyadari bahwa ini adalah salah satu alat paling p

Penulis: Emma Williams
Berapa Jumlah Pasokan Beredar XRP? Penjelasan Lengkap Total Pasokan dan Pasokan Maksimum

Berapa Jumlah Pasokan Beredar XRP? Penjelasan Lengkap Total Pasokan dan Pasokan Maksimum

Jika Anda pernah mencari informasi tentang XRP dan bertanya-tanya mengapa angkanya terlihat begitu besar, Anda tidak sendirian. Artikel ini mengulas secara mendalam pasokan beredar, total pasokan, dan

Penulis: Emma Williams
Apa Itu Perle (PRL)? Lapisan Data Terverifikasi Manusia yang Mendukung AI Terpercaya

Apa Itu Perle (PRL)? Lapisan Data Terverifikasi Manusia yang Mendukung AI Terpercaya

Panduan ini mencakup semua yang perlu Anda ketahui tentang Perle dan token aslinya, PRL — mulai dari krisis data AI yang dipecahkannya, hingga jaringan kontributor ahli, tokenomics, dan cara membeli k

Penulis: Oliver Hughes
Laporan Mingguan MEXC (18–24 Maret 2026)

Laporan Mingguan MEXC (18–24 Maret 2026)

Listing Baru · Top Gainer · Ikhtisar Trading Spot & Futures Periode Data: 18–24 Maret 2026 Jadwal Rilis: Mingguan, setiap hari Kamis Sumber Data: Platform MEXC, CoinGecko Minggu lalu, pasar kripto ber

Penulis: MEXC

Kabar Kripto Terpopuler

Lihat Selengkapnya
Mengapa Koin Sui Meme Meledak pada 2026: Perincian Lengkap Setiap Investor Crypto Perlu Dibaca

Mengapa Koin Sui Meme Meledak pada 2026: Perincian Lengkap Setiap Investor Crypto Perlu Dibaca

Koin meme Sui mendominasi berita utama kripto pada tahun 2026. Temukan mengapa blockchain ultra-cepat Sui, pertumbuhan TVL yang memecahkan rekor, dan komunitas yang berkembang memicu supercycle koin m

Apa itu OpenClaw OPENCLAW? Pengenalan Cryptocurrency

Apa itu OpenClaw OPENCLAW? Pengenalan Cryptocurrency

Apa Sebenarnya OpenClaw OPENCLAW Itu? OpenClaw OPENCLAW adalah token cryptocurrency berbasis blockchain yang menggerakkan platform terdesentralisasi OpenClaw yang berfokus pada solusi aset digital ino

Apa itu HODL Coin HODL? Pengenalan Cryptocurrency

Apa itu HODL Coin HODL? Pengenalan Cryptocurrency

Apa Sebenarnya HODL Coin HODL? HODL adalah cryptocurrency berbasis blockchain dan meme coin yang menggerakkan ekosistem HODL DeFi yang berfokus pada memberi hadiah kepada holder jangka panjang melalui

Apa itu RateX RTX? Pengenalan Cryptocurrency

Apa itu RateX RTX? Pengenalan Cryptocurrency

Apa Sebenarnya RateX RTX Itu? RTX adalah cryptocurrency berbasis blockchain yang menggerakkan platform terdesentralisasi RateX yang berfokus pada penyelesaian tantangan perdagangan yield dalam ruang D

Berita yang Sedang Tren

Lihat Selengkapnya
Rekrutan Baru Elon Musk Picu Pembicaraan Integrasi Kripto di X

Rekrutan Baru Elon Musk Picu Pembicaraan Integrasi Kripto di X

Platform media sosial X milik Elon Musk telah menunjuk Benji Taylor, seorang veteran dari Aave Labs dan jaringan Base milik Coinbase, sebagai Design Lead yang b

Prediksi Harga Bitcoin Menunjukkan BTC di Bawah $70K pada Kedaluwarsa Derivatif $13,5 Miliar Sementara Pepeto Melampaui $8 Juta

Prediksi Harga Bitcoin Menunjukkan BTC di Bawah $70K pada Kedaluwarsa Derivatif $13,5 Miliar Sementara Pepeto Melampaui $8 Juta

Hanya $2,93 miliar dalam Bitcoin DeFi yang diterapkan sementara $13,5 miliar dalam derivatif kripto berakhir hari ini di Deribit, dan prospek BTC menjadi tidak pasti karena token

$11,3 Miliar Mengalir ke ETF Bitcoin dalam Satu Bulan Sementara Retail Menjual dengan Rugi – Detail

$11,3 Miliar Mengalir ke ETF Bitcoin dalam Satu Bulan Sementara Retail Menjual dengan Rugi – Detail

Postingan $11,3 Miliar Mengalir Ke Bitcoin ETF Dalam Satu Bulan Sementara Retail Menjual Dengan Rugi – Detail muncul di BitcoinEthereumNews.com. $11,3 Miliar

Regulasi MiCA Menghadapi Ujian Kritis: ECB Mengungkap Sentralisasi DeFi pada Proyek AAVE, UNI

Regulasi MiCA Menghadapi Ujian Kritis: ECB Mengungkap Sentralisasi DeFi pada Proyek AAVE, UNI

BitcoinWorld Regulasi MiCA Menghadapi Ujian Kritis: ECB Mengungkap Sentralisasi DeFi dalam Proyek AAVE, UNI FRANKFURT, Jerman — Maret 2025: Bank Sentral Eropa

Artikel Terkait

Pengetahuan Dasar Likuiditas

Pengetahuan Dasar Likuiditas

Likuiditas adalah istilah yang banyak digunakan dalam keuangan dan dapat memiliki banyak arti dalam berbagai konteks. Secara umum, likuiditas dapat dibagi menjadi beberapa konsep berikut: 1) Kemampuan

Penulis: MEXC
Apa Itu Launchpool?

Apa Itu Launchpool?

MEXCLaunchpooladalah platform acara yang memungkinkan pengguna mendapatkan airdrop token populer atau yang baru terdaftar dengan melakukan staking token yang ditentukan. Token yang di-stake dapat dite

Penulis: MEXC
Penjelasan Istilah pada Halaman Transaksi Futures

Penjelasan Istilah pada Halaman Transaksi Futures

Bagi pemula, Transaksi Futures bisa lebih rumit daripada transaksi spot, karena melibatkan lebih banyak istilah profesional. Untuk membantu pengguna baru memahami dan menguasai Transaksi Futures secar

Penulis: MEXC
Penjelasan Istilah pada Halaman Informasi Futures

Penjelasan Istilah pada Halaman Informasi Futures

Pemula Futures mungkin merasa asing dengan istilah-istilah profesional ini dan artinya saat bertransaksi di halaman berjangka MEXC. Di halaman Futures MEXC, informasi yang relevan untuk setiap pasanga

Penulis: MEXC
Daftar di MEXC
Daftar & Dapatkan Bonus hingga 10,000 USDT