The financial world is evolving fast. In this talk, Jon explores how fintechs can embrace decentralised finance (DeFi) to reimagine traditional finance (TradFi) models and create more open, efficient, and inclusive systems. Drawing on his experience in scaling tech start-ups and advising fintech leaders, Jon breaks down what meaningful DeFi integration looks like in practice, the opportunities it unlocks, and the cultural shifts required to make it work. Attendees will walk away with a clearer understanding of how to navigate this transformation and build the financial infrastructure of tomorrow.

1. Bridging TradFi & DeFi
Building the Future of Financial Innovation
Jon Dajci
Founder & CEO, TMSC
Featuring Yieldra Protocol
"We're entering the era where finance becomes intelligent.
As safe as your bank. As fast as crypto. Let's build that world."

2. Why Finance Feels Broken
TradFi = safe & slow
DeFi = global & risky
Both built for opposite outcomes
The Problem:
→ Users stuck between security & speed
→ Institutions stuck between compliance & innovation

3. TradFi Strengths
Deep capital & liquidity
Regulatory protection
Strong governance
Proven risk frameworks
TradFi gives structure.

4. DeFi Advantages
24/7 global markets
Transparent ledger
User-owned assets
Programmable finance
DeFi gives speed and autonomy.

5. The Blind Spots
TradFi:
too slow
DeFi:
too
unregulated
Both lack the other's strength
Solution = Hybrid Finance

6. TMSC Builds Hybrid Bridges
Regulated fiat on/off-ramps
AI compliance modules
DeFi liquidity connections
Tokenised asset rails
We connect both worlds safely.

7. Why TMSC & Yieldra are Different
Engineered For:
Compliance Interoperability
Capital efficiency
Transparent risk
Built for institutions & users.

8. What Users Really Want
Safety of banks
Speed of crypto
Simplicity of fintech
Transparency of
DeFi
Hybrid is the only answer.

9. The Trust Gap
Banks → don't trust DeFi
DeFi → don't trust banks
Users → trust neither fully
AI can rebuild trust.

10. AI Powers Hybrid Finance
Predicts risk
Flags anomalies
Automates compliance
Validates identity
AI = Intelligent trust layer

11. The Future Settlement Layer
Instant. Global. Final.
No waiting days
No intermediaries
No borders
Hybrid rails power the next economy.

12. Global Liquidity on Demand
Unlocking Liquidity
Universal pools
Cross-chain access
On/off ramp integration
Liquidity becomes borderless.

13. Why Yieldra Protocol
Lending platform (Aave v3)
RWA stable asset
Everything becomes financeable.
Universal liquidity model
Capital-efficient AMM

14. Tokenised Real-World Assets
Tokenisation Benefits
Fractional ownership
Instant liquidity
Global access
Everything becomes financeable.

15. USDY (Yieldra Stablecoin)
USDY Vision
Fully backed
On-chain transparency
Cross-border settlement
Stable value + on-chain speed.

16. Yieldra’s Smart Escrow
Yieldra's Smart Escrow
Auto-release
Milestone tracking
Zero disputes
Trustless contracts for real business.

17. EAI-Scored Lending
AI Lending
Predictive scoring
Dynamic interest
Transparent collateral
Smarter, faster, safer lending.

18. TradFi Benefits
Why Banks Win
Faster rails
Lower operating costs
Instant reconciliation
Safer compliance
Hybrid finance upgrades banks.

19. DeFi Benefits
Why DeFi Wins
Institutional liquidity
Regulatory clarity
Reduced volatility
Hybrid finance stabilises DeFi.

20. Regulators Benefit
Why Regulators Win
Transparent reporting
Real-time oversight
Programmed compliance
Supervision becomes digital.

21. Businesses Benefit
Why Companies Win
Faster payments
Global customers
Programmable money
Hybrid opens new markets.

22. Users Benefit
Why Users Win
Control
Speed
Safety
Simple, transparent money.

23. The Hybrid Stack
The New Stack
Layer 1: AI intelligence
Layer 2: Blockchain settlement
Layer 3: TradFi infrastructure
All interoperating.

24. The Road Ahead
What's Coming
Cross-border hybrid rails
Institutional DeFi adoption
AI-driven compliance
Tokenised markets
The shift is already happening.

25. Why Now
Perfect Timing
Rising regulation
DeFi maturity
AI breakthroughs
Global adoption
Everything aligns for Hybrid Finance.

26. The Future Isn't TradFi or DeFi
It's Both Connected by Intelligence
Join the hybrid movement.

27. Let's Build an Inclusive, Intelligent Financial System
Open like the internet
Safe like your bank
Powered by AI + DeFi

28. Thank You
Jon Dajci
Founder & CEO, TMSC
Jon.dajci@tmsc.ai
www.tmsc.ai | www.yieldra.io
LinkedIn: /in/jondajci