While DeFi is referred to as “open finance” and is sometimes touted as a way to “bank the unbanked,” the truth of the matter is these products aren’t aimed at the mass retail investor, let alone the global “unbanked.” Technology is not usually the primary factor restricting access to financial services. More often than not, identity and/or oppressive regimes are. On the retail side, it is unreasonable to believe that the average retail investor would understand the risk profile of even the simplest DeFi products and I’ve yet to hear a compelling argument for why the average retail investor would need access to exotic financial derivatives. UX/UI challenges present further obstacles to retail adoption.
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