Hey everyone,

I’ve been diving back into the DeFi space recently after taking a bit of a break, and I’m genuinely curious where the community stands on the future of decentralized finance.

Back in 2020–2021, DeFi felt unstoppable. Yield farming, automated market makers, permissionless lending — it all looked like the beginning of a new financial era. But fast forward to now, and while the innovation is still happening, the hype has cooled off, and user growth has kind of plateaued outside of hardcore crypto circles.

So I wanted to open up a few questions to the forum:

• Do you still believe DeFi will replace or significantly reshape TradFi in the next 5–10 years?

• Are current DeFi protocols actually solving real problems, or just offering leveraged speculation in a decentralized wrapper?

• What chains or protocols are you personally using right now that still feel exciting or useful?

• And what’s the missing piece that could bring DeFi to the next 100 million users — better UX, regulation, scalability, or something else?

Personally, I still believe in the core vision: open, permissionless finance that anyone can access with just a wallet. But I think we need to move past just farming tokens and start focusing on sustainable use cases — like decentralized stablecoins, real-world asset integration, and programmable insurance.