DeFi: Conventional vs. Kleva AI’s Perspective

Conventional Definition of DeFi

DeFi (Decentralized Finance) refers to financial services built on blockchain technology that operate without traditional intermediaries such as banks or brokerages. It allows anyone to access financial products like lending, borrowing, trading, and yield farming in a fully decentralized and permissionless environment.

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Kleva AI’s Definition of DeFi

At Kleva AI, we define DeFi more broadly:

DeFi is the implementation of both traditional and emerging financial services—including those based on fiat currencies, stocks, bonds, commodities, and intangible assets such as reputation and social influence—within a blockchain-based, decentralized financial system, enabled by digital assets and AI-powered agents.

This expanded definition reflects our vision of bridging the gap between traditional finance and decentralized infrastructure, enabling a future where any form of value—including intangible and non-financial assets—can be represented, exchanged, and optimized through blockchain and AI Agents.