PTS Terbaik di Indonesia

Jiera Lefrisia09 Nov, 2025Finance

The future of centralized versus decentralized finance systems represents a crucial crossroads in the evolution of global financial infrastructure. Centralized finance (CeFi), dominated by traditional banks and regulatory bodies, offers stability, oversight, and consumer protection, while decentralized finance (DeFi), powered by blockchain technology, emphasizes transparency, autonomy, and peer-to-peer transactions without intermediaries. As DeFi continues to innovate with smart contracts and digital assets, it challenges the efficiency and inclusivity of conventional systems. However, concerns about regulation, security, and scalability remain significant obstacles. The most likely future lies in a hybrid model that combines the trust and governance of CeFi with the innovation and accessibility of DeFi, creating a more efficient and equitable global financial ecosystem.