Our paper explores the emergence blockchain technology and its implications for the world of financial services. We have witnessed in recent years the emergence of a Decentralized Financial (“DeFi”) system under which all the artefacts of our traditional financial system – including currencies, lending products, insurance, to name a few – are being replicated. A resulting mirror DeFi financial stack has emerged with the ability to fulfill all the functions of our traditional financial system, without relying on the traditional system of intermediaries that are usually required to make our financial system function.
Our expertise and intellectual capital are reflected on the insights we produce. Apis’ whitepapers aim at contributing to a better understanding of Growth Markets and Financial Services.