TradFi and DeFi: The Future of Banking

In this episode we are discussing a document by Krzysztof Gogol, (a PhD Candidate, University of Zurich Co-founder DeFi AM) covering the convergence of traditional finance (TradFi) and decentralised finance (DeFi) through tokenised assets. The presentation highlights how tokenisation is growing, with projections reaching $15 trillion by 2030, and how DeFi can enhance tokenisation by providing liquidity and efficient markets. Project Guardian is mentioned as an industry initiative establishing guidelines and standards for DeFi integration, while projects such as Mariana, Rialto and Mandala by BIS, MAS and central banks explore DeFi-based cross-border FX. The integration of AI into DeFi is explored for optimising AMM management, lending settings, and even predicting market manipulation, as illustrated by a University of Zurich research project. Institutions are actively exploring digital assets and working with policymakers to merge the efficiencies of TradFi and DeFi, despite current challenges.

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