The current banking system is flawed due to various issues such as restricted borders, time zone barriers, and central bank dependencies. Decentralized Finance (DeFi) is gaining popularity as a potential solution to these problems by providing digital, open, and borderless financial services. Three emerging trends in DeFi are highlighted: the tokenization of real-world assets, the development of always-on lending marketplaces, and the ability for individuals to become their own banks. Tokenization allows assets like real estate or government bonds to be used as collateral in lending markets, while always-on lending platforms enable users to earn yield by lending assets. DeFi also enables individuals to store and manage their assets securely without relying on traditional banks. In the future, DeFi is expected to become the standard infrastructure for financial services, offering transparent, secure, and democratized solutions.



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