Decentralised finance — or DeFi — includes all the financial elements you know from more traditional finance (such as central banks, retail banks, lenders and borrowers). But a key difference to traditional finance is that DeFi has no centralised institution like a central bank and sovereign nation that underpins the whole system.

This alternative financial system holds the promise to be truly global, open-source and accessible to all who have access to the internet, regardless of nationality, ethnicity, race, gender and socioeconomic class.

The era of blockchain-based innovation has the potential to improve diversity and inclusion, an area where finance, and fintech, have long performed dismally.‍

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