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In 2021, we might start moving to DeFi v.2 – one that banks and corporations can embrace. IBM itself will probably play a major role in the process: for example, in January 2020 it issued a $120,000 grant to Smart Block Laboratory – the creator of Cryptoenter, a full-stack digital banking solution. The new platform can be integrated with any bank, exchange, or e-Commerce business to offer loans, payment processing, crowdfunding, and more. IBM has already signed up SKS-BANK (CREDIT BANK OF MOSCOW) – a well-known Russian bank.