Welcome to Yogi Express

Decentralized Finance (DeFi) began emerging in 2015 with Ethereum’s launch and its smart-contract capabilities, enabling financial services to function without intermediaries like banks or brokerages.

By 2017, protocols such as MakerDAO introduced lending and automated decentralized exchanges (DEXs) like Uniswap, which pioneered liquidity pools where users deposit tokens to enable trades and earn a share of fees.

The DeFi revolution accelerated in 2020, fueled by yield farming, governance tokens, composability (the “money Lego” effect), and massive growth in capital locked—jumping from less than $1 billion to tens of billions in months.

Why DeFi matters—especially now:

• Liquidity & low fees: Thanks to decentralized automated market makers, users can trade assets directly using liquidity pools, which often offer lower fees than traditional exchanges and provide real-time, on-chain liquidity from user-contributed funds
   
• 100% Control of your money: DeFi allows users to maintain custody of their assets via self-custody wallets (e.g., MetaMask), eliminating reliance on centralized institutions. You decide when to deposit, withdraw, or interact with protocols—no gatekeepers or Know Your Customer (KYC) delays
   
• Resilience in uncertain times: With global volatility rising—from geopolitical tensions to tightening macroeconomic conditions—DeFi offers financial tools accessible 24/7 from anywhere in the world. No bank hours, no shutdowns—just permissionless access to lending, borrowing, yield, and more, even amid systemic uncertainty
   

In summary, DeFi represents an important shift: financial infrastructure built on code, not institutions. 

Understanding its roots—liquidity pools, smart contracts, composability—empowers you to navigate this landscape confidently, benefiting from lower costs, greater control, and financial independence in an increasingly unpredictable world.