@instaxxxmini
DeFi lending and borrowing are rewriting finance. By pooling tokens in smart contracts, anyone can lend their crypto for a yield or borrow against collateral, all on‑chain, instant, and without a bank. This democratizes access, unlocks liquidity, and forces traditional banks to adapt. Yet volatility, smart‑contract risk and regulation remain challenges. The future? Hybrid systems that combine DeFi efficiency with regulatory safety.