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Ethereum 2.0: Making Sense of Lego Money, Sharding, PoS, and TPS. Decentralized finance refers to automated enforceable contracts or agreements, which are carried out through Smart Contracts that don’t require intermediary institutions such as a bank or a lawyer. DeFi transfers are known as “Lego Money”, since they can be separated and then individual parts can be put together again to create something different, like a different batch of orders. These transactions amounted to a total of more than $ 11 billion as of November 2020.