I was a law student at the University of Helsinki when I discovered the Ethereum blockchain, and I was immediately drawn to the community and what people were building. I did some coding as a teenager, and I have always been interested in finance, so I began to apply how the permissionless system of smart contracts could be used to create a decentralised financial ecosystem.
I barely receive any interest in my traditional savings account, and there are so many hurdles for some people to access banking services or take out a loan. Credit checks can be discriminatory, and not everyone globally can access these kinds of services. If the future of finance is decentralised, it means that anyone anywhere can access financial services. There are no middlemen and no need for credit checks– the whole system is trustless. Loans are automatically negotiated by a