EU DeFi Rules: Banks Favoured, Crypto Startups Challenge

As a seasoned crypto investor with a few years under my belt, I’ve witnessed the meteoric rise of DeFi (Decentralized Finance) and its potential to disrupt traditional finance. The European Commission’s intention to regulate DeFi is an expected development in light of its growing worth, predicted to reach $6.69 billion this year and $9.68 billion by 2028.


The new DeFi regulations in Europe could potentially bring advantages to large banks, yet pose considerable challenges for emerging crypto startups.

As a researcher studying the Decentralized Finance (DeFi) sector, I can tell you that current projections estimate DeFi’s value to reach approximately $6.69 billion by the end of this year. Looking further into the future, it is anticipated that DeFi will continue expanding and could potentially be worth around $9.68 billion by 2028.

By the end of 2024, the European Commission is anticipated to publish a report proposing regulations for Decentralized Finance (DeFi) systems. DeFi refers to digital financial services built on blockchain technology, enabling peer-to-peer transactions like loans and trading.

Based on Marina Markežić’s perspective, the upcoming regulations are expected to bring advantages to conventional financial institutions.

“This regulation could make it easier for traditional financial institutions, such as banks, to enter the crypto market. In fact, some of them are considering launching their own stablecoins.”

As an analyst, I’ve come across the challenge faced by regulators in determining whether Decentralized Finance (DeFi) systems fall under their regulatory purview or not. To address this issue, Markežić proposed a regulation method called the “DeFi spectrum.” This approach hinges on the level of control within each DeFi project. By evaluating the degree of decentralization and autonomy in a given system, regulators can tailor their regulatory actions accordingly.

Expert: Transparent standards, as advocated by legal experts like Sascha Drohnjak, the former CEO of Elusive Protocol’s legal and compliance, are preferred over rigid rules.

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2024-04-27 01:08