DeFi最佳解读：DeFi与金融的未来
“DeFi 从根本上说是一个竞争激烈的去中心化金融应用程序市场，它充当各种金融‘原语’，例如交换、保存、借出和代币化，”杜克大学金融学教授 Campbell R. Harvey 写道；Ashwin Ramachandran，一位将军Dragonfly Capital 的合伙人；Fei Labs 的创始人 Joey Santoro 在DeFi 和金融的未来中提出了通往金融未来的潜在途径。
他们认为，虽然传统金融具有“脂肪层和低效层”，剥夺了普通消费者的价值，但权力下放有助于防止贫富差距扩大。然而，去中心化也有缺点，他们承认：“扩展和智能合约漏洞等某些风险困扰着所有 DeFi，克服这些风险对于 DeFi 的主流采用至关重要。” 在彭博评论中，Penske Media Corp. 董事长兼首席执行官 Jay Penske 写道：“这本书是一个有用的指南，概述了一些将破坏金融生态系统的公司，同时消除烟雾和镜子。”
Best Explanation of DeFi: DeFi and the Future of Finance
“DeFi is fundamentally a competitive marketplace of decentralized financial applications that function as various financial ‘primitives’ such as exchange, save, lend, and tokenize,” write authors Campbell R. Harvey, a finance professor at Duke University; Ashwin Ramachandran, a general partner at Dragonfly Capital; and Joey Santoro, founder of Fei Labs, in DeFi and the Future of Finance, which presents one potential pathway to the financial future.
They contend that while traditional finance has “layers of fat and inefficiency” that robs value from the average consumer, decentralization can help prevent widening the wealth gap. Yet, decentralization comes with drawbacks, too, they acknowledge: “Certain risks like scaling and smart contract vulnerabilities plague all DeFi, and overcoming them is crucial to DeFi’s mainstream adoption.” In a Bloomberg review, Jay Penske, chairman and CEO of Penske Media Corp., wrote: “The book serves as a helpful guide, outlining some of the companies that will disrupt the financial ecosystem, while cutting through the smoke and mirrors.”