The book examines the current state of DeFi, insofar as the aims of creating a more efficient, interoperable and inclusive financial system are concerned. Many of the goals of FinTech and Open Banking are similar to DeFi and are directly relevant to DeFi. What is also now directly relevant to the evolution of DeFi is the broader evolution of Web3 and the Metaverse. NFTs look to play a larger role in the ownership layer of the Metaverse, with DeFi as the main mechanism for price discovery and trading of digital assets and virtual goods. What stands in the way of these aspirational goals? How can the risks and challenges be overcome? The book takes a close look at examples that incorporate key elements of traditional finance such as Know Your Customer rules (KYC), operational and risk control measures, and general ability to interface with the wider banking ecosystem. It attempts to chart the trajectory of this innovation and where challenges and risks lie towards the synthesis of the future. Key topics covered: Promises of FinTech banking the unbanked, but where are these systems? Hurdles towards real adoption of DeFi and how DeFi is interfacing with FinTech Where are the challenges towards financial innovation? How can the risks be mitigated? Is it exacerbating inequality? Between regulators and innovators - where are things landing? How do DeFi start-ups and applications make money? What is their business model? How are DeFi start-ups valued (for VCs)? Relation of DeFi apps to the metaverse Token design and issuance

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