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Krug sees the “end state” of crypto as a world where the “average person will have apps on their phone that give them access to DeFi, where they’ll be able to engage in financial transactions without banks/brokers, with lower fees, global liquidity and markets operating 24/7.” However, Krug wrote, achieving this end state requires solutions to a number of current problems that break down into two categories: increasing liquidity in DeFi and making DeFi easier to use, particularly for those new to crypto.
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