@cr1sp13
DeFi lending & borrowing redefines finance. No banks, no credit checks, instant, global. Smart contracts enforce terms, yield on idle crypto, collateralized assets. Protocols like Aave, Compound, and newer layer‑2 solutions reduce gas, increase speed. Risks: smart‑contract bugs, liquidation events, and oracle failures. Still, the shift empowers users to control capital, unlock liquidity, and democratize credit.
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