# 什麼是去中心化金融? / What is Defi? / 分散型金融は何？ / 分散型金融は何? --- ## Why we need money?  --- ## Why we need bank?  ----  --- ## Why we need Defi?  --- ## Agenda 1. Why We Need This? 1. Why we need money? 2. Why we need bank? 3. Why we need Defi? 2. Agenda 3. 3 Pain Points of Current Financial System 1. 商業模式優化的方向是什麼？What makes a business model outperform others? 2. 什麼是鑄幣稅？What is Seigniorage? 3. 能否解決貧富差距？Is it a Silver Bullet to Tackle Economic inequality? 4. How to Join Defi? (Not Financial Advice) 1. ETH 2. Olympus 3. USDT 5. Conclusion --- ## 3. 加密貨幣怎麼解決當今金融體系的三個痛點？ How does crypto solve these 3 pain points of current financial system? 1. 現實金融的高交易成本! Transaction fee is insane! 2. 解決鑄幣稅問題！Seigniorage sucks! 3. 部分解決貧富差距！Solve Economic inequality !? --- ## 3.1 Transaction fee is insane! 中盤商越多，交易成本越高！  ---- 現實金融的高交易成本  --- ## 3.2 解決鑄幣稅問題！Seigniorage sucks! 什麼是鑄幣稅？  ---- 鑄幣稅跟我們有啥關係？How does this relate to me?  ---- 美軍至今金援了超過 200億美金  --- ### 3.3 部分解決貧富差距！Solve Economic inequality !?  --- # 4. How to Join Defi? (Not Financial Advice) 1. ETH (asset, highly volatile): `over 500%` 2. Olympus Dao (reserve currency): `APR 250%` 3. USDT (or other stable coin): `APR 10%` --- # 5. Conclusion 1. Cost reducing is important 2. Seigniorage sucks 3. Buy some crypto!