Many financial experts and technologists are observing a significant transformation in the payment landscape due to Decentralized Finance (DeFi). By leveraging blockchain technology and smart contracts, DeFi is redefining how individuals and businesses engage in transactions, offering faster, cheaper, and more transparent alternatives to conventional payment systems. As traditional financial institutions grapple with these innovations, it becomes increasingly important to understand how DeFi can provide added value, enhance efficiency, and promote financial inclusion, thereby reshaping the way we think about money and payment processes....

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