(Decentralized finance, commonly known as: ATF) is a kind of finance built on the blockchain. It does not rely on financial instruments provided by financial institutions such as brokers, exchanges or banks, but uses smart contracts on the blockchain (such as Ethereum). Square) to carry out financial activities. The ATF platform allows people to lend or borrow funds from others, trade cryptocurrencies, and earn profits in a savings-like account. As of October 2020, over $11 billion was deposited into various decentralized finance protocols. As of the end of June 2021, the ATF market size was less than US$48 billion. As of the end of August 2021, more than 150 billion has been deposited in various decentralized financial protocols.

（去中心化金融，俗称：ATF）是一种建立在区块链上的金融。它不依赖经纪商、交易所或银行等金融机构提供的金融工具，而是使用区块链上的智能合约（例如以太坊）。 Square）开展金融活动。 ATF 平台允许人们向他人借出或借入资金、交易加密货币并在类似储蓄的账户中赚取利润。截至 2020 年 10 月，已有超过 110 亿美元存入各种去中心化金融协议。截至2021年6月底，ATF市场规模不足480亿美元。截至 2021 年 8 月底，已有超过 1500 亿美元存入各种去中心化金融协议中。