The document discusses future scenarios for decentralized finance (DeFi), defining it as an open financial system built on blockchain technology to address traditional financial sector failures. It outlines various use-cases, future drivers, and four potential scenarios, including efficient networks and geopolitical conflicts. Additionally, it presents products like AI-driven investment platforms for market indices and decentralized lending solutions, highlighting the role of technology and compliance in shaping the DeFi landscape.

1. Future Scenarios of Decentralised Finance
(DeFi)

2. Agenda
- DeFi definition & use-cases
- Open vs Closed finance
- Future drivers
- Scenarios

3. Definition: decentralised finance (DeFi) is an open
financial sector that provides financial services
using software that is built on top of blockchains in
the areas where the traditional financial sector fails.

4. 4
3
2
1
trust source in crises
(banking crises, hyperinflation, currency
crisis or unexpected devaluations)
The main use-cases of (DeFi) sector
tackle global inefficiencies
(2 billion unbaked, expensive
cross-border services, sanctions)
bypass local bans
(e.g.capital outflow and FX controls)
empower creativity
(banking, derivatives, indexes)

5. closed finance
competence
trust data
AI/ML
blockchain
protocols
oracles
reinventing finance
institutions, inclusion, closed source
softwares
open finance
networks, interoperability, open source

6. Future driver 1: technological divergence vs convergence
divergence
(blockchain)
convergence
(blockchain+AI)
only 1.7% funds attracted
via token sale is for ML&AI projects

7. Future driver 2: global compliance vs innovative evasion
only 9.8% funds raised through via STOs
in 1st half 2019.
global compliance
(comply with financial authorities)
innovative evasion
(reinventing, fragmenting services)

8. Four future scenarios
global compliance
(comply with financial authorities)
innovative evasion
(reinventing, fragmenting services)
divergence
(blockchain)
convergence
(blockchain+AI)

9. global compliance
(comply with financial authorities)
innovative evasion
(reinventing, fragmenting services)
divergence
(blockchain)
convergence
(blockchain+AI)
Scenario A:
more efficient &
interoperable
networks
Scenario B:
geopolitical wars of
unicorn coins
Scenarios C:
emergence of
financial autonomous
agents
Scenarios D:
market of DeFi robo-
advisors
Four future scenarios

10. Scenario A:
more efficient & interoperable networks
Ideology: crypto anarchism
(blockchains should replace
institutions)
growth mode: efficiency &
interoperability
Hot technologies: decentralised
oracles, lightning, interoperable
ledgers, etc.
Winners (losers): public
protocols (banks, fin-tech)
Use-cases: alternative trust
system, bypass local bans,
empower oppressed creativity

11. Scenario B:
geopolitical wars of unicorn coins
Ideology: pure capitalism
(privatisation of monetary
system)
Growth mode:
legal compliance
Hot technologies: stable coins,
federated networks
Use-cases:
global inefficiencies
Winners (losers): unicorns
(fiat currencies) CBCD

12. Scenarios C: emergence of financial autonomous agents
Hot technologies: federative
learning, ensemble learning, etc.
Growth mode: creative
convergence
Use-cases: alternative
trust system
Ideology: techno futurisms
(technology can do better than
humans)
Winners (losers): decentralised AI
apps (institutions)
TBC

13. Scenarios D:
market of DeFi robo-advisors
Ideology: humanism (technology
should empower humans)
Growth mode: AI/ML adoption
Hot technologies: federative
learning, ensemble learning, etc.
Use-cases: support people
creativity
Winners (losers): supportive AI
apps (institutions)

14. Scenario A:
more efficient &
interoperable networks
Scenarios C: emergence
of financial autonomous
agents
Scenarios D:
market of DeFi robo-
advisors
Scenario B:
geopolitical wars of
unicorn coins
Futures are created through scenarios interactions.

15. global compliance
(comply with financial authorities)
innovative evasion
(reinventing, fragmenting services)
divergence
(blockchain)
convergence
(blockchain+AI)
Scenario A:
more efficient &
interoperable
networks
Scenario B:
geopolitical wars of
unicorn coins
Scenarios C:
emergence of
financial autonomous
agents
Scenarios D:
market of DeFi robo-
advisors
My focus to build AI/ML layer for crypto
finance industry

16. blue indexes
marketplace of market (crypto) indexes bots
supported by crypto startup builder “Murins Startups” (murins.co)

17. blue indexes is marketplace for market indexes
bots for long-term retail investors to invest in
market (crypto) indexes created by them or by
other users.

18. Product: we convert your idea into investable index
3
2
1
you describe market
(choose market category & geography of market)
AI protocol creates index
(portfolio &rebalancing principles)
you & others invest
(AI protocol assembles & rebalance portfolio )
Example
you write “I want invest in proof of
stake protocols located in San
Francisco” or “I want invest in game
tokens which teams located in Europe
Example
AI protocol creates for you 3 market
indexes that suits the best your
investment thesis
Example
You connect to AI protocol to your
exchange account and it as trading bot
assembles portfolio & automatically
rebalance

19. Team: AI scientist + crypto experts
CEO/CTO strategic director advisor
Dimitri Chupryna
Sandris Murins
Miha Cimperman Matej Senožetnik
coder
leading AI scientists in AI lab of co-founder of
crypto finance startups
co-founder & trader of 1st
tokenised crypto hedge
fund
Luka Stopar
data scientist

20. autonomous lending portal connected to the TOP DeFi lending protocols
contact: sandris.murins@gmail.com
supported by crypto startup builder “Murins Startups”

21. CLBT is AI/ML powered meta investment
platform for retail investors to create portfolios
of crypto loans issued on top P2P platforms to
better manage risks & returns.

22. Solution: decentralised meta platform with AI
protocol for collateralized crypto lending
P2P lending platforms
Users
portfolio
investments
AI/ML
protocol
transfer funds
& select preferences

23. Team: loan investment + crypto entrepreneurship
Sandris Mūriņš
Strategic director
(crypto venture experience)
Orest Monokandilos
CEO
(10+ years in loan securitisation)
Ingus Staltmanis
Blockchain advisor
(blockchain architect)

24. Future Scenarios of Decentralised Finance
(DeFi)