Chainlink Founder’s Prediction: DeFi Adoption Potentially Reaches 100% in 2030

Jakarta, Pintu News – Decentralized Finance (DeFi) is only a few years away from reaching mainstream adoption, according to Chainlink founder Sergey Nazarov. Despite this, there are still several regulatory and institutional challenges to overcome before DeFi can scale globally. Nazarov estimates that DeFi is currently 30% of the way to mass adoption.

Regulatory and Institutional Barriers

According to Sergey Nazarov, one of the major barriers to DeFi adoption is regulatory uncertainty and the need to comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements. Michael Egorov, founder of Curve Finance, also emphasized that legal and regulatory uncertainty is a major challenge to DeFi adoption.

In addition, issues related to liquidity and transparency of transactions as well as technical security risks are also major concerns. As clearer regulations are implemented, it is expected that there will be increased trust and adoption from large institutions.

Nazarov added that global adoption of DeFi will reach 70% when there is a clear and efficient path for institutional users to put their capital and client money into DeFi.

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Impact of US Government Approval

Nazarov believes that regulatory clarity will start from the United States and will quickly spread to other countries. Many governments are following the US lead because they want to be compatible with the US financial system.

Michael Selig, chief counselor for the crypto task force at the US Securities and Exchange Commission, stated that DeFi is still considered a buzzword and more focus should be given to onchain applications and their features.

The US government’s approval of DeFi could trigger a domino effect in many countries, accelerating the integration of traditional financial systems with blockchain-based financial systems. This will pave the way for more institutional capital to flow into DeFi.

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Full Adoption Projected by 2030

Nazarov predicts that DeFi adoption will reach 100% by 2030, when the proportion of client or institutional capital in DeFi systems can be significantly compared to the traditional financial system (TradFi). As this percentage grows, more people will realize the potential of DeFi.

This momentum is driven by growing institutional adoption of stablecoins and tokenized assets. DeFi lending protocols have experienced significant momentum, with total locked value increasing by more than 72% since the beginning of the year, from $53 billion to over $127 billion. This growth demonstrates DeFi’s huge potential in transforming the global financial landscape.

Conclusion

With the various challenges and opportunities that exist, the future of DeFi looks bright. As supportive regulations develop and trust from large institutions increases, DeFi has the potential to become a major component of the global financial system. We may witness a major transformation in the coming years as DeFi continues to develop and mature.

FAQ

What is Decentralized Finance (DeFi)?

Decentralized Finance (DeFi) is an inter-peer financial service built on the blockchain network, enabling financial transactions without traditional intermediaries.

Who is Sergey Nazarov?

Sergey Nazarov is the founder of Chainlink, a platform that facilitates secure interactions between smart contracts and real-world data.

Why is regulation important for DeFi adoption?

Clear regulations are needed to increase trust and security in DeFi transactions, enable more institutional adoption and comply with existing laws.

What are the prospects for DeFi adoption in the future?

With advancements in regulation and technology, as well as increased trust from large institutions, DeFi is expected to reach full global adoption by 2030.

What impact will the approval of DeFi by the US government have?

The approval of DeFi by the US government could trigger wider adoption globally, as many countries tend to follow the policies and standards set by the US in the financial system.

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Reference

• Cointelegraph. DeFi Global Adoption, Regulation, Institutional Funds: Chainlink Founder. Accessed on December 20, 2025
• Featured Image: Globas Tech