Decentralized Finance DeFi | De belangstelling voor zogenaamde gedecentraliseerde financiën groeit exponentieel. Is dat terecht of is het na de ICO-hype van 2017 de volgende zeepbel in blockchainland?

Decentrale Technologie

Je hebt er misschien al iets over gehoord. Het is, kort gezegd, het leveren van financiële producten met behulp van decentrale technologie. Producten voor o.a. sparen, lenen, handel in activa, verzekeringen en hypotheken kunnen met DeFi zonder tussenkomst van een intermediair worden afgesloten en verhandeld. Directe, transparante, geautomatiseerde interactie tussen aanbieder en afnemer. Er is niet langer een centrale autoriteit, bedrijf of instantie die deze producten aanbiedt, goedkeurt en bewaakt. Autonomie bij de gebruiker. Veiliger, sneller en goedkoper. De ultieme vorm van geautomatiseerd vertrouwen.  

Decentralized Finance DeFi

Natuurlijk doet DeFi allereerst de traditionele bankensector de wenkbrauwen fronsen. “Cut out the middleman” is geen aantrekkelijk scenario. En ook overheden zien bij gebrek aan controlemogelijkheden diverse risico’s. In plaats van traditionele governance modellen is het nu de (transparante) softwarecode die bepaalt. Toch gaat het onderzoeken en testen van de bruikbaarheid van DeFi harder dan je denkt. Zo wordt er wereldwijd met aandacht gekeken naar DeFi-platforms zoals Compound en AAVE. Hier kan je cryptogeld uitlenen tegen een aantrekkelijke ‘rentevergoeding’ (eventueel in echte euro’s) zonder tussenkomst van een exchange of bank. Met een wallet op je smartphone. Het idee is dat je cryptocurrencies inzet (vastzet) om als onderpand te dienen zodat anderen, tegen een rentevergoeding, deze van je kunnen lenen.

Middleman overbodig

Deze blockchaintoepassing maakt de bank als ‘middleman’ dus overbodig. En het is kostenefficient en anti-discriminair. Maar er is niemand meer die een oogje in het zeil houdt of je kan helpen bij een verkeerde transactie. Je bent helemaal zelf verantwoordelijk en moet daarnaast vertrouwen hebben  in een onderliggend blockchainprotocol.

Door middel van DeFi komt er een alternatief voor iedere financiële dienst.

Maar dan zonder tussenkomst van een ‘trusted party’. Vraag en aanbod worden door slimme software direct bij elkaar gebracht. En door middel van slimme contracten worden de financiële afspraken onveranderbaar en transparant vastgelegd en uitgevoerd. Niemand heeft nog de mogelijkheid om transacties te beïnvloeden, tegen te houden of aan te passen. En, dat is, gelet op de politieke situatie in een aantal landen in de wereld, best handig!  Mede gelet op het feit dat bijna 2 miljard mensen op deze planeet geen toegang hebben tot welke bankdienst dan ook is DeFi misschien wel dé  “killer-blockchain-app” voor de komende jaren.

Neem contact met ons op voor meer informatie.

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Erwin Giesbers

 

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Decentralized Finance (DeFi)

Decentralized Finance (DeFi). The buzzword of 2020. Interest in so-called decentralized finance is growing exponentially. Is that justified or is it the next bubble in blockchain land after the ICO hype of 2017?

You may have heard about it already. In short, it is the delivery of financial products using decentralized technology. Products for savings, loans, asset trading, insurance and mortgages can be taken out and traded with DeFi by anyone with an internet connection without the intervention of an intermediary. Direct, transparent, automated interaction between provider and buyer. There is no longer a central authority, company or body that offers, approves and monitors these products. User autonomy. Safer, faster and cheaper. The ultimate form of automated trust.

Of course, DeFi first of all raises the eyebrows of the traditional banking sector. “Cut out the middleman” is not an attractive scenario. And governments also see various risks in the absence of control options. Instead of traditional governance models, it is now the (transparent) software code that determines. Still, researching and testing the usability of DeFi is harder than you think. For example, worldwide attention is paid to DeFi platforms such as Compound and AAVE. Here you can lend cryptocurrency at an attractive ‘interest fee’ (possibly in real euros) without the intervention of an exchange or bank. With a wallet on your smartphone. The idea is that you bet (lock) cryptocurrencies to serve as collateral so that others can borrow them from you for an interest fee.

This blockchain application makes the bank as a ‘middleman’ superfluous. And it is cost-effective and anti-discriminatory. But there is no one anymore to keep an eye on you or to help you with a wrong transaction. You are entirely responsible yourself and must also have confidence in an underlying blockchain protocol.

DeFi provides an alternative for every financial service. But then without the intervention of a ‘trusted party’. Supply and demand are brought directly together by smart software. And by means of smart contracts, the financial agreements are recorded and implemented in an unchangeable and transparent manner. Nobody has the ability to influence, block or modify transactions anymore. And, considering the political situation in a number of countries in the world, that is quite handy! Given that nearly 2 billion people on the planet do not have access to any banking service, DeFi may well be the “killer blockchain app” for years to come.

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