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从2009年出现第一个区块到智能合约概念的兴起，数字经济的总规模高速提升，目前整体产业市值已经超过5000亿美元，据世界经济论坛发布的区块链白皮书估算，到2025年，数字经济产业产值将占全球GDP10%，DeFi和web3.0的完善应用，将给现有金融体系带来翻天覆地的变化。
人类经济体的本质以金融为内核，我们相信，去中心化将会是全球金融数字化转型的基石。随着区块链技术应用的不断深化，金融的信任机制得以完全建立在数学逻辑上，让世界上任意不认识的金融服务需求者，都可以基于一个去中心化的区块链协议，通过点对点的价值连接，进行自由高效的价值流转，实现业务合作。
基于区块链技术架构的金融体系，能够将数据的所有权还给个人，每个人对自己的个人数据真正掌握权力，实现自主支配和管理，个人隐私与数字资产得到充分保护。
DeFi和web3.0为金融的创造、普惠创造巨大的价值，在此体系下，我们拥有了平等参与、平等创造、平等分享获得生态产出收益，在区块链技术发展浪潮中受益。
去中心化金融——DeFi，是继比特币后加密史上的第二个巨大突破。DeFi是指基于数字货币或者Token 进行的金融行为和服务；例如基于通证的借贷服务、交易所、支付、保险、投资甚至理财等服务。DeFi 构建了透明化的开放式金融系统，并逐渐成长为未来金融的基础设施。
Web3.0内容和应用由用户创造和主导，充分实现用户共建、共治，共享平台的价值。平台不再承担中心化角色，形成用户自主价值创造、价值确权、价值交换三位一体的生态体系。而这当中涉及到的价值流动便形成Web3.0的金融体系。
DCB通过同时融合DiFi与WEB 3.0两大技术体系，通过融合DiFi（去中心化金融）+Credit（借贷）+Bank（银行）构建了一套以“个体资产映射生态资产赋予链上价值，链上赋能实物价值升级”的DiFi-Web 3.0生态。
DCB作为植根于公链内核的主体，所有个体都可以依靠DCB智能合约实现从节点到节点经济体的裂变 升级。在此过程中，传承了全 |
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