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Decentralized Finance (DeFi), a new field applying blockchain technology to the financial industry, is reshaping the existing structure of the financial system.  This article provides a deep understanding of how DeFi makes traditional financial markets more resilient, improves financial inclusion, boosts innovations to traditional financial services, and whether regulators could set new legal frameworks for it. DeFi refers to a decentralized financial system supported by

Interest rates have been present in human civilization for centuries, with the oldest known example in ancient Babylonian society around 2000BC. The moneylender profession was admirable in this time, with interest rates of 25% being commonplace, particularly if precious metals such as gold or silver were on the table. Although, operations were typically small scale and privately run with very few examples of

Date of birthsBaby boomers: 1946 - 1964Generation X: 1965 - 1980 Millennials (Generation Y): 1981 - 1996 Generation Z: 1997 - 2010    In the broad context of asset classes, cryptocurrencies and digital assets are a relatively recent addition, with the Bitcoin whitepaper released in October of 2008. Many financial commentators argue that Bitcoin’s disruptive frameworks and attachment to digital modernity is what drove millennials to

In March 2020, the Bitcoin (BTC) price took a dive, dropping almost 50% in just a few days. Since then, the cryptocurrency has seen a supply shock unlike any before it. A surge in demand by both retail and institutional investors was expected due to the price discount and increasing faith in the asset’s utility. However, the main driving factor was the increase

Originally published on Capitalist Exploits on November 27, 2020. Imagine a world where you can loan money, access credit markets, trade both financial and non-financial assets, margin trade or even invest in a managed fund, all without financial institutions acting as intermediaries. Instantly and globally. How? Through Decentralised Finance. Decentralised Finance (DeFi) is an ecosystem of financial services, facilitated through the use of smart contracts deployed on

The US election results are in, but not quite. Although Biden has been declared the President-elect of the United States, the Trump administration is contesting key states for alleged voting fraud from mail-in ballots. Until the situation resolves itself, it is hard to tell what might happen in the events leading up to the presidential inauguration on January 20th – whether Joe Biden

Cryptocurrency derivative markets have seen a huge surge in popularity following the Covid-19 market crash as speculators attempt to capitalise on the volatility in both price and trading volume. In the lead up to this event, the range of markets available were increasing significantly despite mediocre trade volume. Although, following both the bitcoin halving and increased volatility, the types of contracts on offer

Originally published on Capitalist Exploits on November 12, 2020. Gold has remained a fundamental piece of culture among humans for thousands of years, although over time its uses have changed drastically. While it has held value to humans for millennia, its first recorded use as a medium of exchange was around 4000BC. From here it progressively became a cornerstone in the assets of individuals,

Glossary Ethereum – The platformEther (ETH) - The cryptocurrency used to run the network. Gas fee - The fee for transacting on the Ethereum network. Paid with ether. Ledger – A total record of transactions in a book or digital documentDecentralised – Where no central entity has power over an organisation  Introduction  Before Ethereum there was Bitcoin: The concept of Ethereum was conceived after the creation of Bitcoin,