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Opinion by: Michael Egorov, founder of curve finance
The Crypto world changes its attention everything, AI, integration, Memcoin and Grand Web 3 Vision are in the headlines.
While moving from the spotlight trend to trend, a cool, deep change (DEFI) and code-powered contracts.
This system can be called a nominal “Money 2” – and it is not the vision of the eri or future. It is already here.
Reports of 2025 revealed that in February, Stabelines had a total support to $ 225 billion, leading to 63% year-over-age growth. It outlines the extended role of Stabechines in boom payment and as a medium of exchange. As a result, it also holds them as a major element in the creation of a new global financial ecosystem.
In addition, for the first time in history, financial services can function perfectly without confidence in mediators and child parties. Loans, exchanges and payments are no longer needed to rely on traditional mediators.
Institute, they run on decentralized blockchain on smart contracts, transparent and irreversible lines. Code, not human, determines how the money goes, how it borrows and how it is safe. It is a break by three years of example – a disappointing that changes everything.
Build a financial system without a trust
For all human history, money depends on faith in people or institutions. Whether to transfer money, take loan or invest, an intermediary always involves. Each traditional financial service takes a dip on a bank, a broker or a government-regulated unit-it takes a dip on relying on someone.
Many times cheated, that belief has been established many times. Complete legal frameweorks with audit and penalty have evolved over the years to keep these third parties honest – to better manage that belief.
The risk, however, remains.
Money 2 ends that dendency. In this new paradigm, the code on smart contracts – dysented blockchain – replace the mediators. Transpaions can be executed automatically and transparently with any gatekeepers or bias. Without the need for human conscience or intervention. Bus code.
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Through the Defi, there may be no bankers to delay, refuse transfer or freeze their money without relying on financial operations. Everything is verified online, and what do you see you get.
This is not just a technical improvement. This is a leap in the entire philosophy of finance. This means less opportunities for corruption, low bureaucracy and global services, the ability to explain is to open the door for more transparent and actable finance systems.
Defi and Stablecoins are more important than ever
Current Crypto story is interested and dominated in attractive trends, which distracts the most important things, enables blockchain: functional, scalable options for traditional finance.
Cases of all non-financial blockchain use are irrelevant.
While things such as AI integration in Crypto are undoubtedly contradictory, they do not cure the most important issue: traditional finance is fundamentally flawed. Money transfer is canceled, international payment is slow, can delay onboarding for complete check days – the list proceeds.
Even basic transactions face face, delay and significant fees.
The Defi blockchain remains the case of the most transformational use for technology as it provides more than one way without paying, lending, business and intermediaries. And when combined with stablecoins, these systems are made for the backbone of Money 2.
Defi does not digitize old frameworks only, but is entered into remagins. Even traditional financial institutions can re -connect the value of Meselves decentralized solutions. This indicates a significant change of how Tradfi institutes change their ideas.
Is Holding Diffy Back?
“If Money 2 is so revolutionary, why has it not yet gone to the mainstream?” – What many people can ask at this point. Well, this is because the shift is uncomfortable in many ways.
And there are still obstacles that should be at the top first.
The first problem is simple: responsibility. Removing intermediaries means that users are on their own. Transaction is irreversible, so there is no place for mistakes. If you lose access to your wallet or fall for a scam, the funds rarely recover. For many people, this is a lot of risk.
The Defi today requires a standing learning state, and self-caste is difficult. Most people are ready to manage their personal key or navigate the complexity of smart contracts without safety nets. No when he donated how it works or risk.
Secondly, the web itself is not adequately customized for this change. Traditional browsers and web architecture currently formed the backbone of DEFI interactions, and they were designed to safely handle high-dacoity financial transactions. Adopted eclipse and the purpose have won until the new interface is made from the ground, keeping in mind the ground.
In the end, it is also necessary to expand what asset classes are actually available in DEFI if it is more universally.
StableCoins have a good start, but Money 2 is actually to be felt as a complete finance system, we only need more than crypto-root elements. The real -world property, such as stock, bonds, commodities and real estate, should be done tokens and businesses.
Of course, this is a challenge, where technically, logical or legally, so it will take longer to reach there. It is also a challenge worth resolving. Tooking the entire array of price-bingling assets will make DEFI a-stop platform for all financial activities, which is necessary for its platform.
Opinion by: Michael Egorov, founder of Curve Finance.
This article is for genealogy information purposes and is not intention and should not be taken as legal or investment advice. The idea, however, expressed opinions here alone of the author and not necessarily reflected or represented the ideas and ideas of the coinletgraph.
