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DeFi protocols are pushing the boundaries of financial technology in a high-risk, high-reward game. Here are some of the basic terms, defined in plain English. Decentralized finance is the latest evolution of cryptocurrency trading and investing. Protocols that are not tied to a particular country or company and allow anyone to interact with them have enabled many different kinds of people to make — or in some cases lose — large sums of money. In order to swap tokens, you simply connect your wallet to an interface that allows you to interact. There is no need to set up an account or to log in.