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RE: Welcome to the World Of Decentralized Finance(DeFi).
@sapwood, Thank You for your encouraging comment.
I especially look at the point and if we think about the NPA ratio year by year, I believe this will be one of the success plans that prevent the global economic crisis will be controlled because according to the DeFi projects and collateralized program/code set into the smart contracts.
There will no chance to enter any corrupt peoples, everything will be approved as per the smart contracts program/code which will be equivalent to everyone.