"التمويل اللامركزي يغير قواعد البنوك التقليدية"

## Introduction Decentralized Finance, commonly known as DeFi, is emerging as a formidable challenger to the traditional banking systems. With its roots in blockchain technology, DeFi aims to eliminate intermediaries, reduce costs, and increase accessibility to financial services. ## Understanding "Decentralized Finance Disrupts Traditional Banking" ### Key Concept 1: Removing Intermediaries One of the fundamental aspects of decentralized finance is its ability to remove intermediaries. Traditional banking systems rely heavily on financial institutions to facilitate transactions, manage funds, and verify identities. DeFi, on the other hand, uses smart contracts and blockchain technology to automate these processes, reducing the need for banks. ### Key Concept 2: Enhanced Accessibility DeFi platforms often operate on a global scale, accessible to anyone with an internet connection. This inclusivity is a stark contrast to traditional banking, which often requires physical presence, credit checks, and substantial paperwork. ### Key Concept 3: Cost Efficiency The automation of financial processes through smart contracts means reduced operational costs. These savings are passed down to the users, who benefit from lower transaction fees compared to conventional banking systems. ## Core Features and Benefits - **Transparency**: All transactions are recorded on a public ledger, ensuring transparency. - **Security**: The decentralized nature of blockchain protects against single points of failure. - **Anonymity**: Users can transact without revealing their identity. - **Flexibility**: DeFi offers a wide range of financial services, from lending to insurance, all on a single platform. ## Technical Deep Dive ### Architecture/Technology The backbone of DeFi is blockchain technology, primarily Ethereum, which provides a decentralized environment for building financial applications. Smart contracts coded in languages like Solidity automate and enforce the rules of transactions. #...